Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIFRAUD AKA EXPERIAN has been possessing my information illegally without my consent AND HAVE ASKED THEM TO PROVIDE ME PROVIDE OF WRITTEN CONSENT TO HAVE ANY OF MY MEANS OF IDENTIFICATON. I have disputed these accounts for months XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX and EXPERIAN has not followed and obeyed my consumer rights and federal law. I have put them on notice of these violations and they proceed to reply to each complaint saying the same thing as a generic message of " We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You state you have accounts due to identity theft on your credit report. The first account is not on the Experian credit report. Regarding the second and third accounts, pursuant to Section 605B ( c ) ( 1 ) and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not be re-investigating your dispute again at this time. We had previously blocked this information from reporting based on an identity theft report you provided to us. The credit grantor subsequently certified its accuracy and we rescinded the block, as described in the notice we previously sent you. Based on information provided by the credit grantor and their certification to us, it has been determined either : The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. We have mailed a copy of the report to you for your review. Please allow 7 10 days for delivery through the U.S. Mail. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXXXXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumer disputes swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian. '' THEY HAVE SAID THEY REACHED OUT TO THESE COMPANIES ASWELL AFTER I SPECIFICALLY SENT OUT A CEASE AND DESIST COMMUNICATION LETTERS TO THE CRA 'S AND EACH CREDITOR. THIS INFORMATION HAS STILL BEEN REPORTING AND IS ALSO BREAKING THE FDCPA AND THE FCRA. as I have made them aware multiple times that theyre violating me and breaking laws, they have broken federal law 15USC 1681I ( 5 ) ,15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A AND COMMITED A FELONY CRIME OF 18 U.S. Code 1028A.

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