Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was notified by XXXX of a fraud alert that I did not initiate. They told me that XXXX XXXX caused the fraud alert and XXXX XXXX said no they did not and there was not a fraud alert on their report. At the same time Experian sent me my credit report due to false fraud alert, however there appeared to be fraud occurring on that report by three creditors. They appeared to be attempting to reage the accounts by changing from XXXX XXXX to Experian with a new date and different name for creditor then what had been appearing with their most current name. Such as XXXX XXXX for XXXX XXXX and XXXX XXXX for XXXX XXXX, with those two using the same new Collection Agency together when both had been charge offs. That Collection Agency has been a continued problem in the past pursuing an account that first began in XX/XX/XXXX, and another entity ( online for profit University ) connected to XXXX XXXX XXXX as their financial backer. The former top official of XXXX XXXX is now the owner of the school. When I phoned the Collection Agency they began speaking about yet a different creditor I also was n't aware was with them, as there was no notification or explanation of the above activity. The XXXX XXXX XXXX account was also listed twice with the two different creditor names, one as a charge off and the other with the new Collection Agency joined in with XXXX XXXX XXXX. A third creditor that joined in had it in collection on XXXX XXXX that was deleted, but changed Collection Agencies and doubled the amount when I do n't owe them any money. It 's XXXX XXXX that gave me an early term fee, because I ca n't get reception on my porch and is the only place it can be. I phoned that Collection Agency and they told me they have removed it. I felt like Experian was a part of the game, and the only Bureau that sent my report with the fraudulent activity as a means to upset me and stress me out. I had just finished working on Experian late last year. The ones that remain such as the financial backer, and the for profit online University that is the cause of me not being able to pay my cards when illegally failing to disburse my aid in XX/XX/XXXX, even though they had possession of the monies even ordering it from XXXX XXXX. Then stopped me from finishing my XXXX at the ending of my XXXX stages. I am pursuing two new procedures against the school ( second class action because they did n't handle the first one correctly or fairly only settling for two students that filed it and not the whole class & Dept Ed procedure to prove fraud ), so I suspect could be harassment from financial backer connected to school. Equifax gave me four questions to answer about my credit within my credit report and no problem they removed the fraud alert. Experian gave me four personalized questions, two my birthstone for my birthdate and zipcode of last address, no problem and the other two were erroneous answers. Yet they said I did not answer them correctly and refused to remove the fraud alert. They have also stopped me from ordering my credit report online for quite awhile before this and have been a continued problem, while XXXX never, and XXXX XXXX has improved. Concerning that I find out that Experian is based in XXXX. I even spoke to a Supervisor and not offering to give me four new questions etc., no resolve.

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