Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian, please, tell me how you can suggest the account of XXXX XXXX belongs to me? Please, tell me what method did you use to investigate? Let me suggest you use different method. I myself requested documentation which I never received and you are well aware of that. If I continue to order information to prove this account and they refuse to give it to me at some point it would have to be deleted. I just received today a truth in lending statement from XXXX. the very strange thing is it has the totally incorrect address on it. Now how would that happen? If this account were mine, I think I would know where I resided at the time. Also, the credit bureaus elected to delete the original fraud/freeze date not to reflect XX/XX/2013. It 's a good thing I have a copy. You must delete XXXX due to the fact that I provided you with all documentation such as not XXXX but XXXX police reports, FTC affidavit notarized, a letter regarding the theft of my personal information, certified copies of all documents I requested, who I spoke to that verified it was not my account. I do n't know what else I can provide for you. You and I both know there is nothing more you need. The credit bureaus have policies and procedures they are supposed to follow in a situation of identity theft. Clearly, you are not following the statues. This would be negligence on your part and on the part of the creditor. Evidently, they do not have the documents they need or hey would have produced them by now. I have been disputing the fraudulent items since XX/XX/XXXX and you continue to prolong XXXX XXXX. Why your guess is as good as mine. However you are being negligent and you are not following the statues of the FCRA or the FTC. The problem is nothing is done when you people do not follow the statues. Remember, I am the victim here. I do n't care what someone has said to you. You also released my credit report to the person who stole my identity. They filed a complaint and you answered back stating you were releasing the report to them. The burden of proof for you to fix your negligent act is on you. You have not done your due diligence and you have absolutely nothing to claim this debt is mine. I am not and will not claim it as mine as it is not. As far as XXXX, the same goes for them. Why is it that these companies can claim you owe them, however, they can not produce tangible evidence. Experian should face fines and penalties for not doing their job. This is not my account and I expect it to be deleted immediately. If you are stating you just have to take the word of the creditor, that is bogus especially since I provided you with many documents and certified mail requesting documents. The only reason a company would not produce those documents is if they did not have them. If the CFPB can not seem to make you people follow the statues, I will retain an attorney and I will ask for far more than just punitive damages. I got nothing but time and I promise you this will not be over until all items created utilizing the theft of my identity are deleted I will be coming for you. You keep procrastinating and procrastinating. Also me being a part of a protected class being XXXX and an XXXX XXXX, there are far more strict guidelines. The lack of you following the rules of the FTC and FCRA is causing complications with my XXXX. Therefore, in addition to negligence and punitive damages, the Americans with XXXX act states anyone who knowingly creates a difficult situation for the XXXX will be accountable by paying restitution or damages. Due to you people purposely doing this, I will b seeking both. If the CFPB can not make you do your jobs, let 's see what the judge has to say. The CFPB is supposed to enforce the laws of the people, from what I can see all they tell you is they are not a private atto

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