Consumer complaint received 2016-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On Thursday, XXXX XXXX, 2016 I receive a Temporary Initial Security Alert Notification ( XXXX ) from Experian in the mail dated Friday XXXX XXXX, 2016. This was the very first indication of an Unauthorized Fraud Alert ( UFA ) being applied to my credit reports without my knowledge or authorization. I called Experian the next day ( Friday, XXXX XXXX, 2016 ) to have the Unauthorized Fraud Alert ( UFA ) removed. On Thursday, XXXX XXXX, 2016 I receive an Initial Security Alert Notification ( XXXX ) from Experian in the mail dated Friday XXXX XXXX, 2016. I called Experian the same day to have the Unauthorized Fraud Alert ( UFA ) removed and they told me there was no Fraud Alert on my credit report and this one was removed when I called to remove the first XXXX. The notice I received in the mail ( and the online status information ) shows XXXX alerts XXXX ALERT XXXX XXXX/XXXX/2016 XXXX & XXXX ALERT I PH XXXX/XXXX/2016 ] when I only had removed the XXXX. In fact I was told that there could only be XXXX fraud alert on my credit report at any given time but for some inexplicable reason it was possible to remove XXXX at once. Does that make any sense? What was different about this notice from the previous notice was this statement " The number you provided when adding this alert is XXXX ''. XXXX ; I DID NOT provide any information because I DID NOT add or request an alert. XXXX ; that is my previous phone number from 10 years ago. If I had made the request, why would n't I just use my current phone number? I called Experian again on Friday, XXXX XXXX, 2016 to remove my old telephone number XXXX XXXX XXXX XXXX from my credit report because it was being used by someone ( impersonating me ) to identify themselves as me in order to put fraud alters on my credit report. This action created a third Experian XXXX or at least a continuation of an earlier Experian Dispute. I called Experian again on Monday, XXXX XXXX, 2016 and a supervisor from Experian told me that the second Fraud Alert was sent to Equifax ( by a girl named XXXX ) on Friday, XXXX XXXX, 2016 in retaliation for my request to have my old phone number removed from my credit report. He did tell me however that it should n't be possible to send a Fraud Alert to XXXX if there was n't XXXX at Experian in the first place or was that the second place. Curious! Other outrageous explanations involve " Back-To-The-Future-esk '' Time Travel paradoxes where another agency must go back to Friday the XXXX so that I can receive a Security Notices from Experian on Thursday the XXXX and Experian can notify them on the Sunday the XXXX so a Brand New Fraud Alert will be waiting for me to remove on Monday the XXXX. I was even told that Experian also sent an alert to XXXX which XXXX refused to corroborate. This was all done to avoid telling me the truth. This guy told me lie after lie in an attempt to tell me something plausible that I might choose to believe or something he thought I wanted to hear. Finally he told me that they where obligated to report fraud if they get a feeling or an impression of fraud as defined by the industry not by the dictionary. This is XXXX and XXXX XXXX run amuck. This is like someone breaking a window ( personal property damage ) when a dog is left in a hot car or running a round in a panic when someone 's child is crying in the XXXX XXXX non-of-your-business ). On Thursday, XXXX XXXX, 2016 I received a Disputes Results Notice in the mail indicating my previous Telephone Number had been deleted from my Credit Report. I did n't want to remove my old telephone number from my credit report but I felt compelled to take some sort of action short of another CFPB complaint to make my presences known. Now here we are! So far and to date I have removed XXXX Fraud Alert from Experian, XXXX Fraud Alerts from TransUnion and XXXX Fraud Alerts from Equifax since the last week in XXXX 2016.

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