Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint against Experian due to their failure to adequately address my identity theft claims and their use of delay tactics to avoid resolution. Despite providing substantial documentation, including multiple FTC Identity Theft Reports ( Report Number : XXXX ), Experian has not taken the necessary steps to correct inaccuracies on my credit report. Instead, they dismiss my requests and treat me as if I am being deceitful. This behavior is unacceptable, and I will not be bullied by any credit reporting agency, including XXXX and XXXX, which have exhibited similar issues. 

Questioned Accounts : XXXX. XXXX  : Status : XXXX deleted this account. 



XXXX. XXXX  : Status : Remains on XXXX despite deletion letter. 



XXXX. XXXX  XXXX XXXX ( XXXX ) : Status : Pre-bankruptcy account, likely contained fraudulent charges. They agreed to deletion ( as supported by letter ), but this has not been done. 



XXXX. XXXX ( XXXX accounts ) : Status : Pre-bankruptcy accounts, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 



XXXX. XXXX : Status : Pre-bankruptcy account, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 




Complaint Details : XXXX. Law Enforcement Validation : Experian stated they can not block items from my credit report without validation from a law enforcement agency. The FTC Identity Theft Report I provided is legitimate validation of my identity theft claims. It is unreasonable to dismiss this document and require further validation. 


XXXX. Request for More Documentation : They requested specific personal information and additional documentation. I have supplied comprehensive documentation, including FTC reports and deletion letters. The repeated requests for personal information add stress and feel like a delay tactic rather than a legitimate security measure. 


XXXX. Accusations of Misrepresentation : Experian implied that my request was made in error or based on misrepresentation. These accusations are unfounded and harmful. I assure you that my requests are legitimate and based on factual documentation. 


XXXX. Need for Transaction Histories : Access to full transaction histories is crucial for me to determine the legitimacy of the accounts. The numerous caregivers and individuals in my home during my illness make it impossible to sort through this complexity without their help.

5. Intentional Delay Tactics : While I understand that processing these requests can be complex, the pattern of requesting documentation I have already provided seems like a deliberate tactic to delay resolution. This behavior is unacceptable, especially as I work to regain my health and stability. If Experian can not substantiate their claims, I must insist that they delete any questionable information from my report.

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 explanation