Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: MI
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:
Why would you want to ruin a hard working/ innocent senior citizens credit and life? I have spent over 5 months fighting Experian, spending tens of thousands of dollars of my own money, was unable to accept a promotion, my health has deteriorated from all the stress, and I will now have to work an extra year, before I retire to make up the financial losses suffered. 
Yet, Experian has made a lot of money on me, by collecting and selling my information and by forcing me to pay for Experian memberships, Identity Theft protection and credit reports. So why ruin my life, why refuse to follow the law, why use tactics meant to manipulate the law at my expense? I have worked very hard my entire life, most of it working 60 hour weeks. I have never broken any laws ( besides XXXX XXXX XXXX  ), I do not cheat on my taxes or take advantage of loopholes. 
Me and my husband came to America 30 yrs ago giving up a life of luxury in XXXX ( my father-in-law was XXXX XXXX, one of the most powerful persons in XXXX for nearly 50 yrs. You can research that yourself ), but we did not agree with all the corruption and wanted to raise our children in a country that was said to be fair and without the types of corruption we witnessed. We even refused to lay claim to any of my Father-in-laws wealth and property after his death a few years ago, because we do not want any influence from that life. So why ruin our life as if we do not count? 

As a result of Experians refusal to follow the law, XXXX XXXX was able to file a civil complaint against me, forcing me to spend thousands more by hiring an attorney. After providing documents to XXXX XXXX attorneys and forcing XXXX to finally conduct a PROPER investigation, XXXX XXXX was forced to dismiss the case WITH PREJUDICE ( see attachment of dismissal ). Anyone who is familiar with XXXX legal reputation recognizes how rare this is for them to do. 
The XXXX XXXX legal case strengthens the legitimacy of my previous identity theft claims This is the same XXXX XXXX I filed an IDENTITY THEFT claim against in XXXX, which Experian REFUSED to block within the required 4 business days. Alternately on XX/XX/XXXX, report number XXXX, after I filed further disputes, EXPERIAN claimed to have completed a proper investigation with the following response : THE INFORMATION YOU DISPUTED HAS BEEN VERIFIED AS ACCURATE. ( see attachments ) But now we know it was not accurate! 

So either Experian never conducted a proper investigation or XXXX XXXX lied to Experian or both. Either way, I suffered a tremendous amount of damages, monetary, physically and emotionally, why? 

I filed the identical claims in XXXX and XXXX with the following accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  acct. # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Just like my XXXX XXXX claim, none of these accounts were ever BLOCKED as required by law. Just like my XXXX XXXX claim, Experian claims to have conducted a proper investigation Just like my XXXX XXXX claim, Experian claims THE INFORMATION YOU DISPUTED HAS BEEN VERIFIED AS ACCURATE. 
Currently, Experian continues to allow these five ( 5 ) accounts to report on my credit report. 
Is Experian going to follow the law this time and block those accounts? investigating my claim of ID Theft now is irrelevant. Experian CHOSE to ignore their legal requirement. I followed the law, experian CHOSE not to follow the law. 
Or is Experian going to CHOSE to continue to be defiant, force me to spend thousands more in legal fees therefore work years longer into what should be my retirement years. 

Additionally, EXPERIAN is BUSTED again for lying and this time its a GAME-CHANGER! 
In my previous complaint filed on XX/XX/XXXX, I disputed the fact Experian Refused to Block the accounts listed above 1. XXXX, 2. XXXX, 3.  XXXX, 4. XXXX, 5. XXXX, as required by law. Experians response claimed those account were no longer on my credit report. Here is Experians quote : According to our records, the disputed information does not appear on your current Experian credit report. 

Yet, somewhat incredibly! Those accounts all were on my Experian credit report then and are still on my Experian credit report as of XX/XX/XXXX. ( Attached are my XX/XX/XXXX & XX/XX/XXXX Experian Credit reports. At no time between XX/XX/XXXX ( the date I filed my complaint ) and XX/XX/XXXX were the accounts Experian claimed to NOT APPEAR ON YOUR REPORT .... ) ever blocked! 
EXPERIAN is BUSTED IN A DELIBERATE & UNDISPUTABLE LIE, I am compelled to repeat.. EXPERIAN is BUSTED IN A DELIBERATE & UNDISPUTABLE LIE! 

I now have all the information I need to make Experian and their XXXX XXXX and Executives ACCOUNTABLE! 
FEDERAL LAWSUIT ON ITS WAY YOU XXXX & DO NOT expect any settlement without the CEO stepping down. Anything short of that and we will have a jury trial. 
*YOU HAVE UNTIL XX/XX/XXXX to BLOCK THE ACCOUNTS I HAVE BEEN REPORTING XXXX XXXX XXXX found out the hard way, I will never give up and I will FIGHT and FIght and Fight!

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