Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: AR
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:
Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB and directly to Experian. In your complaint, you state that there is incorrect information on credit report. You request that Experian compensate you for job loss and provide you with a clean slate, however you did not mention which items are incorrect. We were unable to process your complaint based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc. If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate you should also indicate what the correct information should be. Once we receive this information, we will process your dispute. Additionally, please provide your full name, including middle initial ( and generation such as XXXX XXXX XXXX XXXX  ),  current and previous addresses for the past two years, full Social Security number and date of birth. Once we receive your complete identification information and specific disputes, we will promptly address your complaint. Because Experian has met its obligations under the FCRA, we must respectfully deny your request for compensation at this time. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

You all are asking me to give you my SSN information with you all should have this information already in your system.There will be documents to support the hostile environment you all created for me for the past 19 years.Yes I maybe fine when I am out,, but to live in isolation for so many years is unbearable the way you all screwed up my entire life as well as my daughter 's life.I was with XXXX XXXX   for many years and filed two cases with you all credit monitoring services.The first one was with the case number XXXX and case number XXXX and neither case was not notified of the outcome, so I guess that the reason for no credit report found after filing both claims with no results for neither claim.This is about the emotional distress you created for the past 19 years by changing and creating a new identity with my daughter 's SSN. 
ADDRESSES FOR THE PAST TWO TEARS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX The addresses above were the addresses I used in the Federal Building downtown XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with many other zip codes XXXX.I only used the P O BOXES thought it would prevent my identity fraud and theft issues this is were most of this occurred.I did not have a mailbox at my physical address untilXX/XX/XXXX, but I have been living at my physical address XXXX XXXX XXXX for the past 13 years. 

My physical address as of XXXX XXXX : ( Preferred Address ) XXXX XXXX XXXX. 
XXXX XXXX  XXXX All mailed correspondence should be sent to my physical address

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