Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

From 2019 through the present, I have been dealing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of being falsely accused of mishandling my financial affairs has only worsened my condition. This situation has caused me significant physical and emotional distress, leading to multiple doctor visits to my home. I have documentation of these visits, which further supports the severity of my condition and the impact that this credit dispute is having on my health. 

During my incapacitation, various caregivers, household workers, and others had access to my personal devices and financial records. It was during this period that fraudulent accounts were opened in my name. Due to my illness, I was unaware of these fraudulent activities until my health improved enough for me to begin investigating. Once I became aware of the fraud, I started submitting disputes with both the credit bureaus and the account holders directly. 

The creditors themselves, after conducting their investigations, acknowledged the fraud and deleted the accounts in question. However, the credit bureaus continue to certify the legitimacy of these accounts, contradicting the creditors ' findings. Despite having been provided with the appropriate documentation, including deletion letters and proof of identity, the bureaus are refusing to acknowledge the full scope of the situation. 

Here are the key points of my complaint : XXXX. Document Submission : I have uploaded all requested documents multiple times through the credit bureaus ' portals, including proof of identity and evidence of fraud. These documents have also been submitted alongside complaints filed with the CFPB, and yet, the credit bureaus continue to request the same documents while ignoring those already provided. This pattern of ignoring evidence, even under CFPB oversight, is unacceptable and is a key reason why I am requesting an investigation into the bureaus ' processes. 


XXXX. Continuous Provision of Evidence : In every new complaint, I have provided additional evidence, including letters from the creditors that directly contradict the bureaus ' continued certification of the fraudulent accounts. The fact that the bureaus have not acknowledged these documents demonstrates that their automated systems are not functioning properly, or that they are deliberately ignoring evidence. I demand a manual review of these cases to ensure that my complaints are properly addressed and that all evidence is reviewed. 


XXXX. Fraudulent Account Certification : There is a clear discrepancy between the account holders ' investigations and the credit bureaus ' certification processes. While the creditors ( such as XXXX, XXXX, and XXXX ) have acknowledged the fraud and deleted the accounts, the credit bureaus continue to claim these accounts are legitimate. For example, the XXXX XXXX XXXX  was purchased by XXXX, which investigated and found the account to be fraudulent, yet the bureaus continue to report it. This suggests that the credit bureaus are either not conducting proper investigations or are intentionally disregarding the evidence provided by both myself and the creditors. 


4. Pre-Bankruptcy Accounts & Transaction Records : I am requesting the transaction records for the pre-bankruptcy accounts XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ) to investigate fraudulent charges that may have occurred during my incapacitation. There is a strong likelihood that the same individual ( s ) responsible for these suspicious balances also opened the post-bankruptcy accounts. These records are critical in potentially identifying the person ( s ) responsible for the larger fraud scheme. If the transaction records can not be provided, the accounts should be deleted as they can not be verified. Obtaining this information will not only help uncover the true source of the fraud but will also support a deeper investigation into how my identity was misused over this period.

5. Impact on Health : The ongoing stress caused by these false accusations and the credit bureaus ' failure to address my complaints is having a severe impact on my health. The XXXX XXXX XXXX XXXX XXXX resulting in XXXX XXXX XXXX XXXX XXXX XXXX, which I have documented. It is unacceptable that the credit bureaus are not only ignoring evidence of fraud but are also worsening my physical health by failing to resolve these disputes in a timely and accurate manner.