Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is another follow up to my identity theft case. I will outline below what I previously reported to XXXX by phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as by email on XX/XX/XXXX. XXXX has yet to respond to my inquiries and requests for an affidavit to complete regarding this fraud. Since XXXX  refuses to respond to me, I will send a copy of this email to the FTC ( I originally reported to them on XX/XX/XXXX ), Virginia 's Attorney General, the Consumer Financial Protection Bureau, Experian, XXXX and XXXX. 

On XX/XX/XXXX, I received an email from XXXX letting me know that there was a change on my credit report. I was given XXXX services after my SSN was stolen during the XXXX OPM breach. I looked at my report and noticed a fraudulent address ( I have never lived in XXXX XXXX, NJ ) and a company I had never heard of ( XXXX ) showing a fraudulent charge of {$1500.00}. Confused and assuming it was just an honest mistake, I called XXXX to clear this up. 

On XX/XX/XXXX, Restoration Specialist with XXXX called me and we had a conference call with XXXX at XXXX. XXXX gave me an ID number, told me he would email an affidavit for me to complete and said I would hear back from XXXX by Monday, XX/XX/XXXX. He never sent the affidavit and I never heard back from XXXX. 

On XX/XX/XXXX, I called the phone number he gave me to call with any questions on my claim ( XXXX ) but the XXXX employee, XXXX, told me she couldn't understand why he gave me that phone number, since no one there has access to fraud cases. She gave me this email and I sent a request on XX/XX/XXXX for information on and the status of the fraud investigation. Again, XXXX did not respond to my email. 

After receiving a Dispute Resolution Report from Experian stating that after an investigation, XXXX insists there was no identity theft, yesterday I called XXXX and we conference called with XXXX and then XXXX from XXXX. Again, I requested an affidavit to complete, gave her the case number, and reviewed the history and asked her the status. She said the only option I had was to write to you again and repeat everything. 

None of this makes any sense. When this person used my ID to get this card, I had {$50000.00} in available credit from XXXX and XXXX, with no annual fee and generous cash back. I also have a XXXX credit history of paying the full balance of all bills, on time. And I have never come anywhere near my credit limit. It appears this person immediately exceeded the limit and paid the minimum to keep the account open. This is what I need from XXXX : An affidavit for me to complete. 
Documentation of the original fraudulent application. 
A listing of the fraudulent purchases and cash advances of the {$1500.00} or whatever they have spent up to this point. 
All documentation pertaining to this dispute investigation. Any information you discovered could be helpful because this person continues to apply for credit using my name. Just yesterday someone ( probably the same person ) applied for a XXXX XXXXXXXX XXXX XXXX using my identity. 
A statement from XXXX saying that I am not responsible for the charges this person incurred.

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 non-monetary relief