Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to resolve this issue countless times with all three bureaus as you can see from my multiple complaints under this account alone. Not to mention the countless complaints I've entered under other email addresses in hopes they'll actually get properly addressed. However, the only consumer agency to handle this problem accordingly was XXXX they have removed every single account that has been the result of fraud due to identity theft. Experian and XXXX ( which my data was also compromised in their own data breach.. ) along with the creditors and debt collectors remain the only bad actors in the situation. They continue to ignore my request to remove and block the reporting of these items. They instead tell me these accounts are verified when I ask for proof they have none. Instead, they tell me my request to block this information has either been made in error or fraudulently when indeed it HAS NOT. I have not benefited from any of these accounts and in addition, I never provided anything in writing or otherwise to consent to this information being shared IE. XXXX, full name, address. they continue to be negligent and non-compliant out of what I can only assume is pure laziness and taking the word of these companies as they are large corporations and I'm just one lowly consumer so of course I must be incorrect or lying theres no way these companies could be making a mistake or an error of course because they're multi-million/billion dollar companies and they would never have any inaccuracies. Which we both know is not true companies make mistakes every day and let people obtain services and goods under false pretenses, not on purpose but because the person obtaining those services misrepresent themselves. Unfortunately this leaves everyday consumers such as myself to the mercy of these companies and they are either too lazy or too incompetent to fully investigate these issues and rectify them. Experian and XXXX have removed plenty of accounts that are the result of Identity theft however these accounts that I'll list in a moment they are unwilling to remove these accounts and the creditors are aware of this issue as well. The only " proof '' these accounts belong to me is a poorly represented signature that IS NOT mine. All parties have been provided with an FTC report ( multiple actually ) as well as copies of my social security card and drivers license including a copy of my signature I've also spoken to all of these companies over the phone as well as via mail and the result is the same. It's clear that the automated processes they use serve only them and their clients ( creditors ) they care not about the consumers they claim to protect. They have a duty per federal law to only report accurate information and share this information with the consent of the consumer and constantly they share my information without my consent. In addition they have 4 days to block the information per federal law and it has been well over 4 days. its been months even years with certain accounts. Please hold them accountable in addition XXXX has this listed on their site when attempting to submit a dispute : I authorize XXXX to notify me via email when my results are available. 

I understand that XXXX will not provide written notice by any other means unless I am submitting an ID Theft Block Request and that ID Theft Block Request is denied. I acknowledge that I will receive the rejection letter via mail to the most current address on my credit file. 

they have never notified me in writing nor has experian they are all practicing bad business and violating the laws that govern them and continuously try to circumvent their responsibility and obligation under the law

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 explanation