Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXX. 
XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  CFPB Director of Consumer Financial Protection Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX DC XXXX Dear XXXX XXXX, Why is it, all three of these companies, XXXX, Experian, and XXXX XXXX will not fulfill their statutory obligation and respond/answer my FTC 609e Identity Theft request sent to them by certified mail as the result of a fake account application submitted to Experian by a XXXX XXXX employee ? 

Considering the {$3.00} XXXX fine for fake account applications of XXXX XXXX in XXXX, I would think they would be more diligent in providing details of violations. Instead, below is their response to my request for the person that submitted an account application at XXXX XXXX without my knowledge and now confirmed by XXXX XXXX to be an employee of their company. Their response : We are denying your request for the names of our team members involved in the incident. 

Is it now okay for team members at XXXX XXXX to submit fake account applications to extract personal financial information? 

Is XXXX XXXX accessing Asset Verification Companies databases like XXXX, XXXX XXXX XXXX under the pretense of a fabricated account application? Is this data being passed through Experian without notice to the consumer on their disclosure? 

If so, this would be complete and total reckless disregard for individual privacy. The fact this is the third request to XXXX XXXX says volumes. 

XXXX XXXX, can you please compel these companies to comply with the 609e and answer my questions? 

Experian : Why did Experian delete the fake application in my disclosure? Forward the name of the XXXX XXXX employee that submitted a fake account application to access my financial data as well as a copy of my data that you gave them under false pretenses. Is this the same person that accessed my data on nearly a monthly basis under the name of XXXX? Did the person represent that I had a working relationship with XXXX XXXX and maintained account agreements giving my consent for XXXX XXXX to access my data? 

XXXX : Why are XXXX XXXX employees accessing my financial data under the name of XXXX? Was it under the pretense that I had a working relationship with XXXX XXXX? If so, please provide the name of the person that made this representation. 
XXXX XXXX : This is the third request for documents relating to two incidents of identity theft at XXXX XXXX. The first was the account application. The second was discovered when researching the account application by your employee, XXXX. 

Regarding the XXXX DDA pull found on my Experian report and confirmed by XXXX and XXXX to be a XXXX XXXX account application, that was submitted without my knowledge or consent, you will provide as FCRA 609 ( e ) states, a copy of application and business transactions. 
A. This will include all email addresses, phone numbers, ID numbers, meaning social security numbers, taxpayer ID numbers, Drivers License numbers, Passport numbers, or any other numbers used on the application. This should also include the name of any XXXX XXXX representative presenting with my credentials. 
B. This will include all names, email addresses, phone numbers used in the application process to verify the identity of the applicant via text, email, or any other process as well as IP addresses or other tracking or cookie information. 
C. This will include all copies of requests for my personal financial data generated by the fake XXXX XXXX account application to any Credit Reporting Agencies like Experian or their affiliates. 
D. All information that was provided to you from any Credit Reporting Agencies like Experian or their affiliates. If these documents are maintained by another person on your behalf, you will provide them as Section 609 ( e ) indicates. 
E. This will include all copies of requests for my personal financial data generated by the fake XXXX XXXX account application to any Asset Verification Companies like XXXX XXXX XXXX XXXX XXXX etc. 
F. All information that was provided to you from any Asset Verification Companies like XXXXXXXX XXXX XXXX XXXX etc. If these documents are maintained by another person on your behalf, you will provide them as Section 609 ( e ) indicates. 
G. The identity of the person responsible should you know it. 

Regarding the account found by XXXX XXXX while researching the fake account application, if this was the account that I had opened while my office was at the Union Building address, provide all data sharing/marketing agreements that were maintained and utilized based on the false pretense that I had a working relationship with XXXX XXXX . This should include all access to Credit Reporting Agencies and affiliates such as Experian and Clarity as well as any Asset Verification Companies listed above. This should also include all cross-marketing agreements with other financial institutions such as XXXX XXXX. 
If this account was opened under false pretenses, please provide the same information as the first application. 
A. This will include all email addresses, phone numbers, ID numbers, meaning social security numbers, taxpayer ID numbers, Drivers License numbers, Passport numbers, or any other numbers used on the application. This should also include the name of any XXXX XXXX representative presenting with my credentials. 
B. This will include all names, email addresses, phone numbers used in the application process to verify the identity of the applicant via text, email, or any other process as well as IP addresses or other tracking or cookie information. 
C. This will include all copies of requests for my personal financial data generated by the fake XXXX XXXX account application to any Credit Reporting Agencies like Experian or their affiliates. 
D. All information that was provided to you from any Credit Reporting Agencies like Experian or their affiliates. If these documents are maintained by another person on your behalf, you will provide them as Section 609 ( e ) indicates. 
E. This will include all copies of requests for my personal financial data generated by the fake XXXX XXXX account application to any Asset Verification Companies like XXXX XXXX XXXX XXXX XXXX, etc. 
F. All information that was provided to you from any Asset Verification Companies like XXXXXXXX XXXX XXXX XXXX, etc. If these documents are maintained by another person on your behalf, you will provide them as Section 609 ( e ) indicates. 

G. The identity of the person responsible should you know it. 

I look forward to your response. 


XXXX

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