Consumer complaint received 2016-02-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On or about XXXX/XXXX/XXXX I received an adverse decision for housing based on data from above listed report to that third party. After perusing their photocopy of limited pages, I noticed incorrect data on it so requested a report directly from Experian ( SSA uses them ). I have n't asked for a report in a few years.yet was turned down for lack of sufficient ID ; I had no current utility bill to submit as I had not had a utility acct for three yrs. 
XXXX XXXX I gave notice to Experian ( second request ) for! ). credit report to review for incorrect personal or consumer data 2 ). remove an address that was not mine on their record. 3 ). give me the opportunity to dispute incorrect data, review my report for further adverse reporting as SSA suddenly reduced my monthly payments in XXXX. I had never received notice from any creditor or entity that had authority to do so. Two phone calls and two trips to SSA office could not give me anything more than a phone number of an alleged creditor. Any attempts to contact the number SSA gave me were unsuccessful. I now had to see WHO was reporting on my credit, and was it connected to the incorrect data. 
I placed a fraud alert on my account. 
On or about XXXX XXXX, XXXX, I still had not received a report or any correspondence from Experian. It was well over the thirty day limit provided by Washington state statute to receive the report. 
In the meantime, I received word from subsidized housing I was accepted, so moved on XXXX XXXX, XXXX. I sent another notice to Experian in XXXX XXXX now demanding my credit report. with all ID on their list sent to them. On XXXX, XXXX I received a letter from Experian stating they could not provide my credit report, I now needed to add all addresses for two years IN ADDITION to social security, gov't ID, utlility bill or insurance. etc. 
On XXXX XXXX, XXXX I received a letter from XXXX notifying me of a breach of personal data/records by state employees and to notify the credit bureaus to receive a report and/or put an identity theft-fraud alert on my account. I already had one done a few months prior. 
Now, Experian has most likely a drawer full of copies of my passport, Driver license, social security card, insurance and now utility bill. I am concerned that with the number of copies of my ID with them, it is open to as much risk and compromise WITH THEM as my identity and records were with XXXX!! The more photocopies I have to send these companies the more personal data is 'out there ' to be hacked, stolen, or compromised. 
To date, I have NO REASONABLE explanation from Experian why they NEVER sent me a report after my request in XXXX XXXX when they had all the personal identification they requested, including my current mailing address at the time. 
My only income now as a senior, is my SSA and I need to settle a dispute with an unknown ( to me ) creditor that is compromising my income. 
Am I not entitled to a free report due to 1. adverse notice 2. fraud alert 3. fixed income- senior ; one or all of these? 
I sent a third and last notice XXXX/XXXX/XXXX with ALL identifying data they require including addresses ( that I can recall ) from XXXX ; with a cc of the notice to FTC Office of Inspector General to investigate the obfuscation of a simple credit report so that I can review all necessary data to correct it. 
To receive yet another DENIAL after complying with their list and trying to cooperate, shall in my understanding, constitute harassment, senior abuse, and/or a trip to an attorney for further recourse. It is unfortunate that I have no other recourse now than to submit this complaint.. Thank you in advance for your assistance.

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