Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
My rights have been violated according to the FCRA pertaining to victims of identity fraud. I provided Experian with police reports as well as a a report from the FTC and IC3. I am also a victim of identity fraud as a result of XXXX recent data breach. 

Beginning with the known fraudulent accounts beginning reported, I contacted Experian in the beginning of XXXX and furnished a FTC report asking to conduct an investigation and removal. I received email updates of investigation to view online. The accounts known to be fraud were marked as furnisher disagrees however consumer disputed. I contacted each company, 1 company had no record of any account in my name on file, 1 company replied with the account was under a different name but with my social security number ( known person who commuted the identity fraud ), 1 company declined my request information available to victims I replied with attaching a copy of my DL, SS, Address and Birth Certificate - no response since. 1 company has yet to respond, 1 company mentioned it would be deleted, 1 debt buyer which purchased 3 of the above accounts was forced to delete all accounts because there was no record of any signed original contract. Experian was informed with all information and fails to delete these accounts from my report. 

I recently was denied at an apartment complex after they ran my credit report. I am not sure how that was possible since all CRAs are on a security freeze and I did not receive any alerts. I asked for a copy and it was pulled from Experian. Showing the reason for denial was rental history and credit reporting factors ( related to the charge offs with regards to the identity fraud ). I do not own any property nor have I ever owed a property for rental debt. I provided Experian with a copy of that specific apartment complexs statement showing XXXX balance. It was paid in full when I moved out. What alarmed me the most was the fact that it mentioned XXXX SS # s matched / SS issued between XXXX. I was born in XXXX and XXXX SS # s matched to my identity? When I spoke with Experian, I got not a single explanation. 

Finally, I received an email on XX/XX/XXXX with an update on my results/ disputes. I go to log on and a was not able to log on. So I requested my password resent but unfortunately my account was hacked because the recovery email which Experian emailed it to was not my email. I never had an email account XXXX, I do not know what yardi is. I tried desperately to get this fixed, because once again, my identity is in the hands of a person that is not me. I was expecting a phone call from Experian but I did not hear anything until the XX/XX/XXXX via email. I am reluctant to even reposed, because it asked me to verify my identity by faxing over a copy of my DL, SS, Bank statement, email and phone number. Specifically mentioned, once this process is complete, they will remove the membership account from their website and create me a new membership. How am I supposed to know that this email is coming from Experian and not another scammer? 

This is absolutely not ok, there is someone out there as I write this complaint that has access to all of my information through Experian and I have no access to my own information. In my opinion, Both Experian and XXXX have done a very poor job at following the FCRA guidelines for a victim of identity fraud.

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