Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
To whom it may concern ; XX/XX/XXXX re ; XXXX   credit report { free } XXXX  credit report { free } experian credit report { free } XXXX XXXX XXXX XXXX/aka XXXX XXXX Hello, I, XXXX XXXX XXXX have been trying to retrieve my free XXXX  XXXX  XXXX  from XXXX  credit bureau. I have bben trying to retrieve my credit report as I am also a victim of fraud/mail fraud/identity theft/victim of several data breaches. I have been unsuccessful for the past 2 years at obtaining my credit report via first class mail/email/through an attorney. I have successfully sent documents explaining and verifying the abouve as well as repeatedly identifying myself for the last 2 years { XX/XX/XXXX-XX/XX/XXXX]. Not only is this time consuming, its rather annoying, it stops me from applying for home loans/credit cards/ ect. XXXX  has been repeatedly sent disputes, failed to remove fraud accounts off my credit and has blocked me from obtaining my report to dispute such accounts, which is my right as a consumer. I have sent requests in XX/XX/XXXXand submitted documents verifying all of the above on the following dates ; XX/XX/XXXX - online investigation/sent in documents verifying myself being a victim of identity theft/mail fraud/data breaches, ect. 

XX/XX/XXXX - received email acknowledging my dispute and the investigation has begun. 

XX/XX/XXXX - sent my personal information to an incorrect email, notified XXXX-no response ( ref/case # XXXX ) also changing my email XXXX XXXX XXXX responded advising myself to call in. I have repeatedly informed XXXX, that I prefer correspondence in writing and furthermore, my schedule conflicts with XXXX XXXX hours of operation, again repeatedly ignored XXXX stated my case has been escalated for further review ( ref ; XXXX : ref XX/XX/XXXX - email stating, higher than normal email volume may cause a slight delayin XXXX XXXX response time. 

XX/XX/XXXX - XXXX  sent me an email stating the above case has been completed. Nothing was accomplished, I still never gained access to my credit file, fraud accounts are still being reported on my credit which are not nor have ever been mine, I still cant dispute items to have them removed, this incorrect information has been negatively affecting my credit, causing damage. 

XX/XX/XXXX -I reset my password as I was still unable to log into my account as XXXX  is using fraud accounts as information to keep me from successfully logging in to my account, I sent XXXX  an email stating the above concerns XXXX XXXX pst XXXX assigned case # XXXX, acknowledging my email XX/XX/XXXX - XXXX  XXXX replied with an email apologizing for any inconvenience, stating my case has been escalated for further review ( AGAIN ) ref : XXXX, XXXX : ref XX/XX/XXXX - received an email stating my case has been completed again, nothing accomplished, no progress, still unable to review my credit report after logging in, and still no regard for my schedule as Im not able to call in and really dont care to, I have repeatedly stated I correspond in writing and prefer the same from companies. 

XX/XX/XXXX - sent correspondence via email stating again how dissastified I am with XXXX and their games regarding the letter stating I have no credit file in XXXX, further explaining that I am currently and previously a resident of California, I have not ever traveled to XXXX. 

To date, no response. 

XX/XX/XXXX - XXXX  incompetently sent me a letter stating I have no credit file in XXXX. None of my requests/documents/mail/information has a XXXX or XXXX  address . All of my information is in California and clearly states that.

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