Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following was written by my daughter for me & is also being sent to Congress, the New York Attorney General ( NYAG ) the Michigan Attorney General ( MAG ) Credit. Bureaus are in direct breach of their XXXX settlement with NYAG and I can prove it! 

Terrorism upon American Citizens by American Companies is exactly what this is! Credit Bureaus invade our lives and personal information without our permission. They control our lives, our futures, where we live, where we work, if we can afford insurance, They create an atmosphere of overwhelming stress, chaos and utter destruction and they are currently destroying my Mothers life. 

My mother is as upset and frightened as I have ever witnessed. Her job and life are at stake as a result of ID Theft & the Credit Bureaus ( CRAs ) refusal to follow the law, and I will not stop until these repulsive and egregious acts of terror by the Credit Bureaus against my family and other consumers are stopped! 

Everyone needs to take notice with this issue as it will have a negative effect on your loved ones, your children, family, friends, every single Member of Congress, Members of the Judicial System, members of government agencies ( including the FBI/CIA ) and Members of the press. PLEASE READ, because you are not immune! 

Dont you agree that with so much power & control over a persons life that the Credit Bureaus must maintain flawless records and follow the laws? 

As I am writing this, tears are streaming down my cheeks because I am at a loss as to what recourse we can turn to. Rarely have I witnessed my mother breakdown the way she has over the last weeks. Her job carries security clearance ; she must retain good credit-standing ; and any sign of financial problems jeopardizes her employment. Her employer pulls employees credit every 4-months, with the next screening shortly after XXXX. 

The process enacted to help consumers is wholly ignored and the Credit Bureaus, XXXX Experian and XXXX, play games and deploy every tactic they can to discourage and prevent victims of ID theft from recovering their identity and clear their names of fraudulent accounts and charges ( which either already have or will surely soon destroy their lives )? 

SUMMARY OF FACTS : My mother provided XXXX and Experian with a signed and NOTARIZED statement informing them she is a victim of ID Theft. She used the forms & Documents provided by the FTC on their site ; IDENTITYTHEFT.GOV Followed all the directions completely and precisely Even provided additional information and documents, including an Affidavit of identity and Informed XXXX & Experian of the urgency because her job & livelihood were in jeopardy. 

However, in blatant defiance against the U.S. Gov't, Congress, the FTC & the XXXX Settlement with New York Attorney General Office ( NYAG ) , both XXXX & Experian have refused to follow the crystal-clearest & fundamental decrees of Federal Law, specifically, FCRA 605B ( 15 U.S.C 1681c-2 ). 

XXXX sent my mother a letter denying her request, which I assume wasnt even read, because they included a form titled XXXX Identity Theft Victim Assistance Affidavit stating, The request provided is missing essential personal identifying information or account specific information that would allow us to complete your request. 
Let me state this as clearly as I can ; XXXX is LYING. 
The information provided was complete and specific. 
A sworn and notarized affidavit & forms stipulated by the U.S. Justice Dept. were sent, and XXXX  responded by asking for the SAME information only to delay the process! 

XXXX has numerous untruths in their claim to deny : They state the initial correspondence was received on XX/XX/XXXX THIS IS A LIE. The letter was sent via certified mailed on XX/XX/XXXX and unless the post office is lying, XXXX received the letter to BLOCK ID THEFT ACCOUNTS on XXXX/XXXX/XXXX. They do this to defy the legal system, to defy Congress, and to defy United States Citizens of their rights. They defy the rules and delay the process hoping to discourage and frustrate people from moving forward! 

XXXX now claims they have another 15 days to investigate from XX/XX/XXXX - WRONG! 

XXXX claims they received additional information on XX/XX/XXXX, giving them another 15-days. WRONG! I want to know what they claim as Additional information NOTHING ADDITIONAL WAS PROVIDED FOR ANY OF THE ACCOUNTS COVERED IN THE ORIGINAL CLAIM! 
XXXX claimed to have properly investigated, yet they have failed to provide the steps they took to investigate. A direct violation of their recent settlement agreement with the NYAG Office.

XXXX claims my mother did not provide proper information to prove her identity to process her claim of ID Theft, demanding she fill out their company-specific form which doesnt even request as much detail as volunteered in her original claim ( apparently the U.S. Justice Depts form, signed, sworn, and notarized does not suffice?! ), and, again, mail it back. 

This added process took 4 more weeks. THIS IS A COMPLETE SHAM and a policy XXXX  Deliberately employed to discourage victims of ID theft. 

According to the settlement agreement and controlling law, XXXX must be specific and explain exactly what information was not provided, just like a consumer must be specific. This is proof XXXX never read all the documents provided which means They are in direct violation of their recent settlement agreement with the NYAG Office. 
XXXX MUST delete and block the accounts regardless of any future investigation outcome, period! 

XXXX also stated, as a precaution a 90-day security alert has been added to her credit report. 
My Mothers letter and affidavit did NOT request anything about a 90-day Alert. Her request was clear and specific. To block the accounts claimed as Fraud or ID Theft and Freeze her credit report. 
A 90 day Alert is not a Freeze and does NOTHING at this point, all the damage has already been done and continues to worsen as creditors have reduced or taken-away her credit lines, her insurance rates continue to increase, and her job is in serious and immediate jeopardy. 

As for Experian, they simply refused her claim without any specific explanation? 
Experian provided no specifics as required ( A direct violation of their recent settlement agreement with the NYAG Office. ) Did not explain the steps they took to investigate and provide proof ( A direct violation of their recent settlement agreement with the NYAG Office. ) Did not.? 

- Alternately, XXXX and Experians statement says the Information and forms provided by the FTC or any-other government agency will NOT be accepted. CAN YOU BELIEVE THAT! 
HEY, CONGRESSMEN AND REPRESENTATIVES ; XXXX does not give a XXXX how much time, money, research and authority you have or spent to pass these laws, they are defiant regardless and XXXX XXXX, go to XXXX. 
That is what Experian & XXXX is telling everyone.. 

My question is : what are you going to do about it? 

This is not the first time my family has been victimized by XXXX reckless disregard of both Federal Law & consumer rights. In XXXX, XXXX mixed my credit report with another family members. For 3 years I attempted to have XXXX correct the information, THREE XXXX YEARS! I pleaded, begged, provided mountains of  documents, spent 100s of hours and took on enormous financial losses, was denied a home-loan, etc.. I was forced to live in the XXXX XXXX XXXX for years with no health insurance, terrible credit-history/no-credit to my actual name, and an unsafe car, all because my credit report was mixed w/a delinquent family member! It wasnt until a lawyer friend intervened and helped me file a lawsuit, that XXXX  finally admitted guilt and corrected the information. 

Let me state this as clear as I can : If a lawyer friend did not intervene for FREE, I never would have been able to take them to court and win my freedom. I didnt have tens of thousands to afford an attorney and I surely couldnt find a lender to borrow it. 

It seems our only recourse is to SUE the Credit Bureaus in order to FORCE them to follow the laws?! Because CRA have clearly shown they have no respect for Congress. This is insanity!

Lastly, I know of not one person who has agreed to provide their personal information to any Credit Bureau, and certainly not for someone to sell! Yet, they own it all and make ungodly PROFITS off of it all-the-while violating millions of consumers rights and the laws written by YOU to protect us, the people. 

Again, what are you ( our elected representatives ) going to do about this, doing nothing is unacceptable? 
I have explained a few facts about the NYAG settlement agreement and how the Credit Bureaus have defaulted in the " What would be a Fair Resolution of this issue ''

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