Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: GA
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:
PLEASE HELP! 
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against EXPERIAN. On XX/XX/2022 I mailed Experian correspondence certified mail XXXX and they received it on XXXX XXXX an was signed by XXXX XXXX or XXXX XXXX which he made it clear to not sign in the designated location where the signature was required in affect to not identify hisself. Exhibit A. The correspondence address the fact that there has not been an actual investigation on this account which is Public Record XXXX XXXX XXXX XXXX XXXX. Exhibit B. I request that a independent investigation going further than the original source of information to retrieve the accuracy of the account/public report. On XX/XX/2022 I received notice in my email that a dispute has been opened. Exhibit C. I also received two additional emails from Experian in regard to this dispute on XX/XX/2022. Exhibit D which is EXPERIAN stating that they are responding to my request that the information in my personal credit report be blocked. EXPERIAN went on to request additional information that I HAVE PROVIDED NUMEROUS OF TIME. I have provided in the certified mail that they signed off on date XX/XX/XXXX, XXXX have also attached this additional information is CFPB COMPLAINT # XXXX. I am not sure why EXPERIAN keep acting as if they have not been provided additional information. On XXXX XXXX I received an additional email from EXPERIAN Exhibit E stating that " we are responding to your request that the information in your personal credit report be blocked due to identity theft. EXPERIAN has determined on the same day they OPENED THE DISPUTE reference back to EXHIBIT C that my request to block was made in ERROR! EXPERIAN MY INFORMATION WAS NOT MADE A ERROR I INDEED REQUEST THAT YOU BLOCK PUBLIC RECORD XXXX XXXX XXXX XXXX XXXX RESULT OF IDENTITY THEFT. FUTHER MORE I NEVER GAVE YOU ANY WRITTEN PERMISSION TO FURNISH THIS PUBLIC RECORD BANKRUPTCY XXXX ON MY CONSUMER REPORT. EXPERIAN ALSO STATED " THAT YOUR REQUEST TO BLOCK INFORMATION WAS BASED ON A MATERIAL MISREPRESENTATION. EXPERIAN MY REQUEST TO BLOCK INFORMATION IS NOT BASED ON MATERIAL MISREPRESENTATION. EXPERIAN YOU ALSO STATED " YOU KNOWINGLY OBTAINED OR SHOULD HAVE KNOWN THAT YOU OBTAINED POSSESSION OF GOODS, SERVICES, OR MONEY AS A RESULT OF ONE OR MORE OF THE TRANSACTION THAT YOU ARE SEEKING TO BLOCK. EXPERIAN I DID NOT KNOWINGLY OBTAINED ANY POSSESSION OF GOODS, SERVICES, OR MONEY AS A RESULT OF ONE OR MORE OF THE TRANSACTION THAT I SEEK TO BLOCK. EXPERIAN STATED THAT " WE ARE DECLINING YOUR REQUEST TO BLOCK ONE OR MORE OF THE ITEMS OF INFORMATION. IF YOU HAVE ADDITIONAL RELEVANT INFORMATION THAT INDICATES THAT THE DISPUTE ITEM ( S ) RESULTED FROM IDENTITY THEFT, PLEASE CONTACT US AGAIN AND PROVIDE THIS INFORMATION. EXPERIAN its very frustrating that you keep asking me to provide information of identity theft when again I have provided it numerous time as well. I have attached a FTC report which I will attach again. EXPERIAN I have also provided you with correspondence from XXXX your third party vendor. 
In her most recent complaint filed with your office, XXXX XXXX has provided an FTC Identity Theft Report stating bankruptcy record case XXXX does not belong to her. In an effort to resolve XXXX XXXX concerns, XXXX removed bankruptcy record case XXXX from her XXXX Consumer Disclosure Report. EXPERIAN I am in the process of filing litigation for actual damages caused by EXPERIAN and EXPERIAN will be held CRIMINALLY LIABLE FOR AGGRAVATED IDENTITY PURSUANT 18 USC 1028A, EXTORTION, THEFT BY DECEPTION, SECURITIES FRAUD AND MAIL FRAUD. I PLAN TO NO LONGER DO BUSINESS WITH EXPERIAN. EXPERIAN CONTINUES TO REPORT AFTER BEING PROVIDED WITH THE PROOF.

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