Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I contacted Experian via phone in regards to written dispute letters they have been sent x 's 3 so far. Experian continues to refuse to honor my disputes and investigate the innacurate information they are reporting with the companies reporting the information. The representative I got on the phone was less that helpful and I asked to be transferred to supervisor. I was then put on with a " Special Services '' agent who also parroted Experians role and refused to handle dispute process. XX/XX/2021 I recieved a postcard in the mail that a " Fraud Alert '' had been added to my report for the duration of 12 months and that this information would be shared with the other CRA 's as well. I did not initiate or authorize a " fraud alert '' as I already have a security freeze that I did indeed initiate on my file. XX/XX/2021 I recieved 2 more post cards from CRA 's anout this " Fraud alert ''. I then contacted these CRA 's to remove the fraud alert stating that I did not initiate or authorize this alert. I was informed by both CRA 's that the alert was initiated by EXPERIAN on XX/XX/2021. I the called EXPERIAN and asked to speak with the fraud dept. I was again transferred to " Special services '' agent. I explained that there was a " fraud alert '' that I did not ask for on my credit file and needed it reoved immediatly. The agent then told me that " there is no fraud alert on your file ''. I then made her repeat this ( 3 ) times and finally said " so on this recorded line you are telling me that there is no fraud alert and that Experian di not initiate this alert on my file ''? The agent became very upset and yelled " YOU CAN NOT RECORD THIS CALL ''! To which I responded " YOU are recording the call on your end and saying on record that this " FRAUD Alert " is not on my file and you did not initiate it ''. The agent then immediatly hung up on me. EXPERIAN has been contacted by me several times by certified mail and via telephone in regards to their continued illegal reporting of inaccurate information and accounts. EXPERIAN continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. EXPERIAN continuies to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. EXPERIAN continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified in accordance with FCRA. EXPERIAN continues to seek information from third party vendors and not the acutal companies and report information from the vendor as " acurate ''.

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