Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: NC
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 concerns Identity Theft in which I am the victim. There are several different accounts listed on my credit profile that I did not open or had anything to do with whatsoever. These accounts are a direct result of someone stealing my credit information and opening credit cards, personal loans. I have sent Experian, as well as the other two credit bureaus, all the necessary documents and information that they have requested. The documents I sent was a Federal Trade Commission report, a Police report that was filled out by a senior Police Detective, other evidence that I sent along with these, going beyond what I was required to send. I have reached out to every company in question about this identity theft case. These companies keep saying that the accounts are legitimate, which of course would be their trained response. Obviously these companies know that the thief that stole my credit information will never pay these companies their money, so instead they go after the victim. I explained this to Experian several different times but they keep going along with the companies in question. On one occasion of correspondence, I spoke with an Experian supervisor concerning this case. Angrily I ask a question, which was, does Experian have the consumer at their best interest, or is their loyalty with these credit card companies and loan companies. The supervisor told me that yes they pretty much side with the companies. I shouldnt have to suffer and pay for something that I did not do. Having a Federal Trade Commission report as well as a Police report should have satisfied these companies, but instead they blame me knowing that I didnt open these accounts. A lot of these accounts I have never even heard of before. Im very very upset. I think even beyond upset. I fought and was injured in the XXXX XXXX XXXX. I have severe XXXX, and this whole ordeal is making it much much worst. Every time I call and discuss this case, they say the same thing over and over, hoping that I just accept it and go on. XXXX not accepting anything that I had absolutely nothing to do with. Doing my own investigation, I found that whomever is responsible for this, bought a lot of items online. I called the companies and asked them where these items actually went to being delivered. I found out that the deliveries wasnt even delivered to my addressed. As a matter of fact, not even in my state. A Wounded Veteran shouldnt have to have their identity stolen and then be blamed for accounts that they did not open. Im very angry and I want all those accounts removed from my credit profile. Im already taking names from Experian as well as the companies in question names, so that I can file criminal warrants against them for Identity theft. One of the names is XXXX XXXX, a supervisor at the consumer affairs division for Experian. Others Im still gathering their information, but will have it very soon. I will be prosecuting every one of them. See, this a is serious situation. Now maybe these XXXX  that work for Experian and the companies in question, dont take it serious, but I do. This is my life and I will not walk away. I want these XXXX  XXXX  XXXX  to pay for the illegal activity that they have been taking part in for years. I even reached out to several other victims on a forum that was created by victims going thru the exact same issues. This is no coincidence. These XXXX  with certain job titles that work for Experian, as well as the other two credit bureaus, have been accepting money to side with the credit cards companies and loan companies as well. I really believe that this is going on. There are too many people who have been victimized, that can not receive justice. And this is with all the necessary documents and police reports, and faxes of requested information that is successfully given to these credit bureaus. They just take the word of these credit card companies without any evidence that supports their outcome. Its a shame that XXXX being treated this way, and I had nothing to do with it. I proudly put my life on the line in the XXXX XXXX XXXX. Was wounded, not only physically but also mentally. I cant sleep most nights, because of the severe night terrors that have stayed with me every since I made it back home. I see a therapist twice a month at the VA, as well an outside Therapist. I have a very very hard problem turning off what I had to be and do in XXXX. I dont like getting angry, because I cant process and control that emotion like anybody else. Especially when Im not in fault. Im definitely gon na contact my attorney General for my state as well as my superiors inside the XXXX. And as I made clear, Im filing warrants against XXXX XXXX, a supervisor at the consumer affairs division of Experian, as well as all parties involved that work for the companies in question concerning this Identity Theft case. Its really ridiculous that a person has to go thru all this because of several XXXX  individuals that illegally accept money from these credit card and loan companies. And a Veteran no doubt that fought in war to protect their freedom. Im contacting every available news networks and platforms online and offline to share this information with them and then in turn the whole world. Ill create 100 videos on XXXX given all this information, including names and their job titles. Im gon na send XXXX letters to all companies involved. I guarantee you, they will know my name. I WANT THE COMPANIES IN QUESTION REMOVED FROM MY CREDIT PROFILE IMMEDIATELY. 1/ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Im not gon na just let it go, because this is my life. And I will fight for my life. Why dont they apprehend the XXXX XXXX  XXXX  XXXX  that stole my freaking credit information? They havent did anything remotely related to even looking for these criminals. This is why so many victims are suffering because these companies dont ever plan on looking for these thieves. They rather attack the victim because they know that these victims dont want their credit profile to stay destroyed. So see, these XXXX  companies not only demand, and in lots of cases, get the money from the victims, they also receive money from insurance coverage as well. If I have to create 2000 videos on XXXX about all this, I will. If I have to write 2000 letters to each one  of these companies in question, I will. If I have to file criminal warrants against the names that I have, I will.

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 non-monetary relief