Consumer complaint received 2022-11-26
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:
This has been the longest ongoing, drawn out, dreadful, painful, & duration period of time on the inaccuracies and the fraud on my credit report. I reported a claim to XXXX and Experian that I am a victim of identity theft, countless and tiredness of times and was ignored. The reporting agencies expressed to me that my identity theft report was invalid, before they told to me, I must have a FTC identity report or a police report up to dated to start a reinvestigation. This was told to me on XX/XX/2022 at XXXX via email : XXXX. The names are concealed, due to lack of accountability. When there is lack of accountability, it undermines the entire dispute process of taken the proper actions to bring about a solution to any problem that may arises, while engaged in consumer reporting. Both of these reporting agencies failed to maintain a reasonable procedure for me, as well as misleading misrepresentation against me. I had informed both reporting agencies about the identity theft and the inaccuracies, they expressed to me, and asked did I have any supporting documentation such as a FTC report or a police report and I expressed to them I did. I sent it that same day, just to be denied of a reasonable reinvestigation dispute, my credit is damage and its affecting my score horrendous & to be told that my FTC report was invalid. This is affecting my potential purchasing power, how lenders view me when making such determinations, and much more. They went back on their words, & refused to do their graven duties that they vowed to do. The hideous perpetrator debt collector 's that are affiliated with XXXX and Experian are XXXX XXXXXXXX XXXX XXXX  ( the address on file is fraudulent and invalid and XXXX is very much aware of this act and still will not correct the problem ), XXXX  XXXX, & XXXX. Each of these perpetrator debt collectors are using debt manipulation techniques to persuade and make me believe that there's a debt out here, through the deception of words. For example, the term defaulted is used throughout the sector in the commerce world in the United States. In XXXX, the term default is " defallere '' meaning " to deceive, to cheat, to put wrong, to lead astray ''. In a financial sense, default means is deceive or lead astray any potential borrower with the intent to defraud that borrower, from any loan or contract that was created out of thin air. The behavior of these perpetrator debt collectors and reporting agencies are very absurd and unsettling. All three credit reporting agency must abide and comply with the CFPB laws, FTC laws. and in respect, when it comes to my consumer rights and the protection my Privacy while these reporting agencies complies my personal data. XXXX and Experian has violated my privacy as exposing my personal data to other third parties, while my data is still being compiled in their database and being used to monetized off of and gaining profits from their own beneficial gains through the use of my personal data that XXXX and Experian are custodian of. I warned them as they continued to proceed with the usage of my data. I never gave any persons expressed written or verbal consent. They do as they pleased. My perspective is, that these reporting agencies do as they wish because there is no person to be held fully accountable for, it if were, such acts would not occur. XXXX and Experian failed to do such graven duty by refusing to conduct a true and honest reasonable reinvestigation of my dispute, they failed and denied to correct the issue and removed the unverifiable information within the 30 day grace period.

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