Consumer complaint received 2022-07-03
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:
I would like to file a complaint and alert the authorities that the 3 credit bureaus, XXXX, EXPERIAN AND XXXX are not operating according to the law and have victimized me numerous times from XX/XX/XXXX to today, XX/XX/XXXX by failing to conduct an investigation on my behalf after I placed a complaint XX/XX/XXXX and XX/XX/XXXX. 

They have not been handling my disputes in compliance with the laws of VICTIMS OF ID THEFT. They did not investigate my claim and stop reporting the information even though I submitted all the proper documents. They did not give me investigation results. 

Since you are the authorities I pray you investigate their handling of my case and remedy or correct as you see is fair according to the law. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming I owed {$990.00} to XXXX XXXX a debt collector. I knew that was wrong and it triggered a lot of investigation on my end. 

I do not have any payday loans, credit cards, auto loans or mortgages so I KNEW there was a HUGE mistake. I only have 2 XXXX  Loans from when I got my XXXX XXXX. 

Also, in XXXX I was the victim of CRIMINAL IDENTITY THEFT in California and so I am aware criminals have my information. 

I ordered a copy of my credit report and cried for hours after I saw my credit report was completely demolished. 

There was debt that DID NOT BELONG TO ME AND I DID NOT HAVE ANY RESPONSIBILITY - 4 credit cards had been opened without my knowledge! They defaulted and were sold several times over between debt buyers like XXXX and other debt buyers. 

I filed a police report. I filed a report with FTC and obtained AN IDENTITY THEFT REPORT that I could send to each company. 

ON XX/XX/XXXX : I sent a letter, a sworn affidavit, FTC identity report, police report filed with XXXX XXXX XXXX Police Department, copy of my social security card and drivers license to XXXX. XXXX XXXX. EXPERIAN XXXX. XXXX and the Creditors XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX  XXXX. XXXX Nothing changed. XXXX, EXPERIAN, and XXXX said that the information was verified as accurate so it would remain on my Credit File but a notation would be added to state that CONSUMER DISPUTES INFORMATION. 

In XX/XX/XXXX when I requested an investigation AGAIN, my Credit Score went down XXXX points because XXXX XXXX and XXXX XXXX XXXX added a negative comment to my file. 

No investigation was ever completed by EXPERIAN XXXX OR XXXX AND NO INVESTIGATION WAS EVER COMPLETED BY XXXX OR XXXX  XXXX XXXX. 

It is XXXX, XXXX and I am still waiting for the information I requested from the Creditors regarding the fraudulent accounts and how they were opened, what information was provided, and any identifying information that may help me achieve a conviction against the person who committed this crime against me.

The information was not blocked by the 3 credit bureaus even though I provided a police report, an FTC ID THEFT REPORT AND A STATEMENT OF THE FACTS. I was just left in the dark and totally dismissed. 

To this day, those derogatory accounts are STILL ON MY CREDIT REPORTs!

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