Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX Experian ( Identity Theft and Fraud Department ) XXXX XXXX XXXX XXXX  TX. XXXX Regarding Experians already having concluded their CFPB review of complaints # s ( XXXX and # XXXX ) having not investigated all complaints and disputes as is defined in CFRA and by the CFPB, acting repeatedly in an unlawful, anti-regulatory, dishonorable, willfully and causing repeated substantial harm to my financial well-being. Further, Experian, out of the three not only was the only bureau to not make corrections and improve my scores, but rather dropped my score more, gave nonresponse, indifferent, almost nonsensical comments as to the outcome of the investigations for which they refused to provide. Their lacking is so transparent, negligent, and dishonorable that I am offering this CFPB complaint and report, clear evidence of how Experian, refuses to adhere to CFRA, that on each account, I can and will transparently, and without any reasonable explanation plausible, prove definitively that Experian is violating the rights of citizens, specifically me, without any regard for the CFPB, FTC, or FCRA. It is my belief, through the last five years of Experians actions, that they are acting in a retaliatory manner and intentionally, and under violations of my rights, seeking to cause continual and substantial harm. I am requesting the CFPB, the FTC, and the state of Tennessee, investigate the actions of Experian, and request any and all documents, actions, investigative processes, and information that was relied upon in summarily dismissing my complaints, reports, and disputes when the objective facts are so clearly discernable, their unlawful, anti-regulatory, and willfully neglectful intent to act in direct opposition to FCRA, the CFPB, and the FTC are of the worst measures. 




Dear Sir or Madam, below is my first evidence and objectively derived information giving proof of Experians non-investigatory, dishonest, unlawful actions against me with obvious intent to create financial harm through the violation of my civil rights : I have been prior, and I am once again a victim of identity theft and fraud. The accounts, as well as their corresponding account numbers, the hard inquiries, and the personal information listed below, which appears on my credit report, have been formally reported to the FTC under ( reference # XXXX ) and ( reference # XXXX ) because of identity theft and fraudulent actions, I have been a victim of identity theft and fraudulent acts that are the direct cause and basis upon which this information should be immediately blocked. 
Lastly, in due diligence and to evidence comprehensively the lack of any reasonable, lawful assertion or conclusion not immediately to block all accounts, hard inquiries, personal reports, and personal information listed here within, having further been identified through a formal report and complaint through the FTC as due to a victim of identity theft and fraud ; all of the accounts and information provided below were reported and filed under complaint ( s ) with the CFPB independent of, and without reliance upon the primary complaint and filing of the identity theft and fraud ; but also under violations of further regulatory, rules and guidelines***Briefly, and to evidence the significance of Experian summarily, repeatedly, and intentionally refusing under law, regulation, and guidelines to investigate ( as defined by the CFPB, not exclusive of and in independence of, take action to prevent undue financial harm ; instead supporting the furnishers unlawful actions. As of XXXX, at noon, both XXXX and XXXX reviewed and made corrections that dramatically changed my credit history, and scores, while Experian ( having many more accounts to review and investigate ), has completed with no changes and under unlawful, anti-regulatory not meeting the standards under FCRA, and in direct opposition to the requests of the CFPB complaints filed, and your duties as to process, adherence to FCRA laws, regulations, and subsections, and in proof which is offered below. 

XXXX*The following is an example, and evidence, of Experians failure repeatedly, willfully, and without any reasonably plausible explanation ; as to the inclusion of objective, credible, and honorable reliance upon law, regulation, or guidelines ; those federal agencies who have oversight authority and powers such as the FTC and the CFPB ; acts in direct opposition to the FCRA XXXX and instead openly engages in unlawful, dishonorable, and measures towards the destruction of the consumers protections and rights, and exemplifies non-adherence, disregard, and contempt for the lawmakers, the agencies, and their authority. Below, having already filed complaints with the CFPB on each, which you acknowledged receiving ; having filed an official report ( s ) for identity theft and fraud, for which you acknowledged receiving as well ; having mailed you through priority USPS signature receipt, the CFPB complaints on each account and account number, hard inquiry, personal information as to US Bankruptcy, etc., all of the FTC reports filed, all laws, regulations, and subsections pertinent, as well as all identification verification documents ; and having already noted three of the accounts, less than four days since all filings, Experian has already come to decisions, without investigation, without adherence to the FCRA, its requirements, and in complete noncompliance with laws, regulations, guidelines ; the federal government, federal agencies like the FTC and CFPB, and in either inequitable treatment of myself which has persisted for five years, or in comprehensive unlawful, willful, destructive practices. 
***Below is the first example of an account that ONLY EXPERIAN repeatedly failed to investigate, and acted unlawfully, inequitably, and willfully. The inquiries are those which had Experian not refused to respond, investigate, and inquire, I would not have suffered so substantially. 
1 ) XXXXXXXX XXXX account # XXXX, ( date opened XX/XX/XXXX, ) ( last status updated XX/XX/XXXX ), ( Credit Limit {$1500.00}, with a balance past due of {$3700.00} ). Shown as an account opened under one year, with a credit limit of {$1500.00} in which four consecutive large payments were made up to XXXX of XXXX, then without explanation, ( as indicated by both the Experian payment amount/date chart ), my balance skyrocketed to {$3700.00}, or 147 % above my actual credit limit. So, if Experian did a single investigation as required under FCRA, inclusive of disputes, on four separate periods, and to this very date responded to my detailed CFPB complaint in under five days by stating between XXXX of XXXX and XXXX of XXXX, your credit high limit was {$1500.00}. Thats it, a single comment which Experian respects the authority of the CFPB, and FCRA they blatantly throw out, which has XXXX relevance to the complaint ; and worse, precludes the material point which is past due balance which was {$3800.00} and speaks directly to the existence of incongruencies, a serious explanation as to the occurrence, and an immediate red flag for the need to investigate deeper, and as detailed under FCRA, actions beyond simple reliance on a furnishers statement. So, in five years, under repeated disputes, the initial reporting, and now a CFPB complaint, Experian did not, can not, answer one of the following questions which require no experience, just logic, and professionalism : A ) Did XXXX XXXX file a report with the FTC for identity theft and fraud which listed this exact account? Did XXXX XXXX file a police report, inclusive of this account of identity theft and fraud? 
B ) Did XXXX XXXX file an identity theft report, a police report, and was Experian notified, regarding the XXXX account, but multiple other accounts? Did Experian remove multiple other accounts from my credit report under identity theft within the same period? 
C ) Did both other major bureaus remove all accounts related to my identity theft and fraud report, inclusive of the XXXX account which was part of the FTC report? 
D ) Did Experian once in all their investigations during disputes, or XXXX account in one month, ( actually one day ), had a balance that was {$2200.00} beyond my credit limit, Experian felt was pertinent to this complaint, or 245 % the availed credit limit? 
XXXX ) Did Experian at any point, including during this complaint filed under the CFPB, given the substantial harm, the repeated disputes, and maybe some difference to CFRA, the CFPB, laws, and regulations just once investigate if this account was filed under identity theft and fraud? Did Experian even verify the actions of the other two bureaus, and why, regarding this account? 
F ) to the other bureaus, and as deemed Did Experian at least once investigate the standard of determining if multiple other accounts, during the very same period, were blocked, not just by other bureaus, but by Experian? 
G ) Did Experian, at any point in the last five years, do a ( proper investigation ), inclusive of the complaint Experian just received from the CFPB, that XXXX informed me would take a while to investigate properly, up to 30 days, and yet Experian states is complete and provides a statement which is not only irrelevant, but at worst, a statement when placed in proper context, supports further the need, but refusal, to investigate? 
H ) If requested, in similar standards meeting the standard as defined under CFRA, as well as under the authority of the CFPB, and FTC, Experian provides the details of each investigation over the last five years, under review as to date, time, means, and to what measure Experian could provide documentation, procedures, actions, and every measure taken for the intent of actually meeting FCRA, CFPB, and FTC standards? 
I ) If for the last five years, Experian was to be found wanting, willfully, dishonorably, unlawfully refusing to abide by the very standards of law, the government causing a permanently XXXX, or healthy, citizen substantial financial harm ; and by means of the consumer being capable of, without a single reasonable explanation plausible, evidence that this account was filed under identity theft and fraud with the FTC, police report, the actions of other bureaus and under what finding, etc., what would be the outcome? Further, if a consumer were also capable of showing repeated, numerous, substantially harmful under willful, intentional, unlawful, patterns and actions consistent in the measure of harm being imposed under your bureau 's refusal to acknowledge, abide by, or respect the laws, regulations, and agencies ; and provide evidence under such clarity, and if extrapolated, a violation of rights amongst specific segments of consumers, or just to the individual, what would be the outcome guidelines and protections that require the blocking, and/or deletion of those accounts. 

1 ) Please immediately block the provided accounts, personal negative reports, and all hard inquiries as listed in the enclosed formal complaints filed with the FTC as victims of identity theft and fraud. These accounts and information were already provided to you by the CFPB under complaint XXXX and XXXX, under different complaints and regulations, but not exclusive of the FTC complaints. 
2 ) My request for immediate blocking of this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers.

3 ) Enclosed are the following : A copy of both my formal Identity Theft Reports, A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from Identity Theft within four business days and notify the furnishers of that information ; copies of my drivers license ( front and back ), my social security card ( front and back ), A copy of my bank statement for verification of address, a copy of my latest IRS filing for all verifications, and this copy of 3b ) Of my Identity Theft Letter and all the information contained here within, inclusive of C.F.P.B. complaint I.D.s, I am requesting further that Experian cease, or not act in what is seemingly in a retaliatory manner, nor an inequitable, unfair manner as to violations of my civil rights.