Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been very active of my credit score and credit report since I became a victim of Identity Theft on XXXX XXXX, XXXX. I have many issues with Experian Credit Bureau since I became a victim. First Experian took a very long time to investigate my Identity Theft case. Second Experian refused to bring my credit score to XXXX points when I disputed all the fraudulent charges against me from other credit card companies and the charges were all dropped in my favor. XXXX Experian continued to remove other false information on my credit report such as the address XXXX XXXX XXXX, XXXX, CA in a swift timely manner as requested. Finally the waiting period to talk to a live human being customer representative on the phone is between 20-45 minutes long when I called to ask questions or other concern. My main concern right now is the address such as XXXX XXXX XXXX XXXX, XXXX, CA XXXX appeared on my credit report. I already informed Experian that I do NOT live in XXXX California or will NEVER move to XXXX California. I ONLY live in XXXX XXXX, California since XX/XX/XXXX. Why is the address XXXX XXXX XXXX XXXX, XXXX, CA appeared on my credit report? How is this possible? I have already placed a Security Freeze and a Fraud Alert with Experian, XXXX and XXXX on my credit report in order to prevent and stop the criminals from opening more fraudulent accounts under my name WITHOUT my consent. The suspect or criminals should have NEVER opened any further or more fraudulent accounts. I checked my credit score on XXXX/XXXX/XXXX and noticed a huge drop from XXXX points dated on XXXX XXXX, XXXX down to XXXX points on XXXX XXXX, XXXX. The reason why it was dropped according to Experian was " Derogatory public record or collection filed. '' The last time I checked, I do NOT have any other credit cards other than my current ones such as XXXX XXXX, XXXX XXXX and XXXX cards. I ONLY owe a few amounts such as {$620.00} on my XXXX XXXX card. My other account is XXXX XXXX XXXX and I owe {$210000.00} on my mortgage or townhouse. Why did Experian dropped my credit score so low? I do NOT owe any more accounts. I am a VERY responsible person and spend my money within my budget. Why does Experian hate me so much and continue to refuse to bring my credit score to XXXX points? XXXX gave me XXXX points on several occasions. Why ca n't I ever receive XXXX points from Experian? Is it retaliation since I have filed numerous complaints against Experian? I will continue to file more complaints until I receive XXXX points credit score from Experian. Experian should know by now that I am very serious about my credit score to XXXX points because I am a responsible person and paid ALL my bills on time. I hope and pray that the people working for Experian take my current situation regarding my Identity Theft seriously and assist me.

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