Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX Headquarters XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, Upon reviewing the response done by your company on XX/XX/2024, on CFPB report # XXXX, I have several questions. Since I am not familiar with some organizations/systems, I would like you to answer and explain these things. Your response mentions ConsumerInfo.com , Inc. ( CIC ). You have mentioned this registered incorporation as known as Experian Consumer Services ( ECS ). I have checked the website consumerinfo.com ; however, unable to connect with Experian itself. Therefore, I have checked CIC, and reached the possible result, XXXX XXXX XXXX, which might connect with your company or might not. I also checked XXXX and could not get the direct connection with Experian, but to XXXX XXXX XXXX ( XXXX ). Since I prefer to check all information your company provided, I beseech the indication what ConsumerInfo.com and XXXX. Your response has indicated that I have the right to receive the credit report if I provide the necessary personal information same as other credit report companies. However, presently, I am not interested in to use any other services, except advised services, such as fraud alert and security freeze, same as credit report companies. I have received enough credit reports from your company, Experian, XXXX, XXXX, and XXXX ; therefore, I decline the offer of your company to receive another credit report until your company solve the disputes on all my credit cards. Regretfully, I do not have enough information of unaffiliated third partitas of your company, which might strengthen the security for identity ; that I strongly need the necessity after these turbulent months from the last year after the notification of Identity Theft. Since all my current credit cards are under dispute in your company credit report, I decline any offers of credit card, as your company might have known that I am opt-out of credit cards offer officially. Even though I have the difficulty to understand the part of your response on FCRA, I do not feel any necessary to provide any more personal information to your company, especially on identification, since your company has not provided any answers why my bank credit cards information is tempered, continuously changed, and under the disputes. After receiving the response on these matters, I might re-consider whether your company services are appropriate and/or necessary for the security of personal identity. I prefer your company office clarify the content of response more understandable especially compensation for the marketing of credit opportunities or other products or services. I prefer to explain these services are relating with the credit reports, which I am trying to clarify regarding on identity theft, which I am victim. You have mentioned your company, Experian, removed me, XXXX XXXX, from the promotional mailing. Even though I have a question what kind of promotion you have as a credit report company, I am happy to be removed from the mailing list from your company for 5 years. I am certain your company continuously send me the credit report, since it is not promotion. Your company mentions in this response, and you have the form for the permanent opt-out and somehow you have provided to me that form. Unfortunately, I do not have that form, since, most likely, it might be missing, same as some mailing, which was disappeared and did not arrive at all. I request you to send me again permanent opt-out form for the removal of receiving the promotional offers from your company, Experian, even though I am not sure what kind of promotional offer is, and hope it is not credit report. Especially, I wish you will provide the permanent opt-out form, since you have mentioned the possibility that you are one of the supplier or prescreening or mailing list to certain companies. Since I am interested in getting any subscriptions, purchasing home, mail shopping, and television shopping, I request to send that opt-out form from your company, Experian, which must be a private credit report company. 

Sincerely,

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