Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS IS THE THIRD TIME I AM ADDRESSING THIS ISSUE. MY STATE ATTORNEY GENERALS OFFICE ADVISED ME TO ADDRESS THIS AGAIN AS THEY WILL BE MONITORING THE OUTCOME. On XX/XX/2022 I contacted Experian to remove incorrect information that Experian put on my Credit Report without my authorization. The incorrect information was a Fraud alert and a Notice alert. Customer Service did remove the Fraud alert but REFUSED to remove the Notice alert. She was being defiant and over talking me not listening to the fact that Experian ILLEGALLY put information on my report that was not valid and without my authorization. Since she REFUSED to abide to my simple and legitimate request, I had to raised my voice and demand that this Notice alert be removed. She stated that I needed to submit documentation that was irrelevant to this situation. I stated that I didnt have to submit nor prove anything on my end since it was Experian that ILLEGALLY put a Notice alert that contained information that was simply NOT VALID! The Notice Alert read This address may be perceived as a high risk because it has pertained to a business, or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Experian assumed that my address is high risk with out any validity. As such it has cause me severe financial issues since I was denied from opening TWO Checking Accounts. This Notice alert is scaring future creditors away since they believe my mailing address is high risk and are afraid to send me mail there. This has been my address for THREE YEARS and it is NOT high risk! I had all 6 of my credit cards sent there. Obviously, if this address was high risk I would not of allowed mail be sent There and I would of changed it! Experian has the audacity to put this IRRELEVANT AND FICTIOUS information on my credit report ILLEGALLY yet blatantly REFUSES to remove it! I asked the Customer Services Representative for a Supervisor since she was being so defiant. She put me on hold for and extended amount of time PURPOSELY only to then claim there XXXXasnt a Supervisor available which was obviously a lie. Furthermore, she promised me a Supervisor would call me back within 24 to 72 hours which at the latest would be XX/XX/2022. In the meanwhile, I gave the Customer Service XXXX hours to remove the Notice XXXX. As of today XX/XX/2022, 14 days later after contacting Experian, the Notice alert is still on my report and I have yet to receive a call back from a Supervisor as promised. I knew a call back wasnt going to happen. Furthermore, the XXXX inquiry from XX/XX/2022 is still on my report. Experian stated they can not remove it but never gave me a reason why. It is NOT mine thus needs to be deleted. Experian removed other inquiries that were not mine yet refusing to delete this particular one. As a premium member I am disgusted how poorly I was treated, completely unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation