Consumer complaint received 2021-03-14
Company: Experian Information Solutions Inc.
State: CA
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:
Experian 's dispute results proves my original complaint of failure to thoroughly investigate and my complaint now has escalated to accessory to fraud. Experian concluded in their dispute, that the XXXX XXXX XXXX XXXX has certified that the information reported is accurate. The submission date for this so-called " certification '' from XXXX was dated for XX/XX/2021. This is the month of XXXX. So therefore there wasn't a recent submission to certify. 
My extensive accessory to fraud claim against Experian stems from two illegal inquiries made by XXXX XXXX under their subsidiaries. One of the inquiries, I didn't discover until today ( XX/XX/XXXXXX/XX/2021 ). I contacted Experian on XX/XX/2021 to dispute the inquiry made by XXXX XXXX XXXX XXXX. I informed the customer representative ( forgot her name but the call was recorded ) that I didn't authorize the inquiry made on my credit report. She proceeded with the dispute. While she was gathering information she stated that XXXX & XXXX. may be a subsidiary of a bigger company. The representative was about to explain her statement but then she stopped mid-sentence which seemed odd to me. When I thoroughly checked the inquiries made on my report, now I understand why the representative didn't finish her statement. 
XXXX XXXX XXXX XXXX is indeed connected to XXXX XXXX XXXX. Upon my research I discovered a job posting on zip recruiter from XXXX XXXX XXXX for XXXX XXXX XXXX. 
I just discovered another inquiry made by a " collection '' company called XXXX XXXX XXXX XXXX. I haven't disputed this one yet with Experian. When I looked at the address for XXXX, I discovered that it is the same address for XXXX XXXX XXXX XXXX  that is listed on their XXXX XXXX XXXX profile. The address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX. XXXX XXXX XXXX also shares the same address, but their XXXX XXXX is XXXX. 
I was able to discover this by simply looking at my credit report, so how is it possible that Experian didn't catch the fraud? My answer to the questions is : 1 ) They never investigated my claim, 2 ) They were negligent and proceeded to report regardless of the inaccuracies. Either case that would make Experian an accessory to fraud. If XXXX XXXX XXXX went this far to obtain information about my account, how could I possibly believe that what they are reporting is accurate? To add insult to injury, they made two hard inquiries on my account which could damage my credit. The audacity of them pulling my credit report illegally because they didn't want to lose a dispute. The reason XXXX was able to commit this fraud so boldly is because they probably felt it wasn't going to be investigated. I have attached proof of the information that I included in this complaint.

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