Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX XXXX filed an identity theft report through the FTC, ( XXXX ) I also included a police report ( XXXX ) cover letter of dispute. Copy of identification, validation documentation of my legal address and a lease agreement without signatures per leesee request. 

I sent these documents through US mail to all 3 major credit bereaus, I also uploaded the documentation, police report and FTC report to all 3 bereaus. 

I've actually uploaded the supporting documentation multiple times to all of the Bereaus, XXXX, Experian and XXXX throughout the month of XXXX. 

Since uploading the original documentation plus a dispute letter outlining my rights through the resource pages on the FTC website I have uploaded additional documentation validating my residence outside of the US from XX/XX/XXXX through XX/XX/XXXX. 

The accts that were not blocked or deleted were disputed originally and again on XX/XX/XXXX when I uploaded the lease agreement to all 3 bereaus. 

XXXX and Experian have platforms that provide multiple ways of disputing accts on my credit report and XXXX website is set up to navigate the user through a sales funnel for the paid membership that they offer users that require frequent credit reports and scores. 
Since beginning the repair journey I've logged over 26hours online and on chat plus phone calls to agents at XXXX. 
Nothing in that entire time has provided online access to my credit report. 
They continual share the same troubleshooting data that they have in script and that I have followed multiple times to get a copy of my report. 

I recently filed a dispute about the issues with Transunions timeliness and less than attentive concern to address the inquiries and fraudulent accts that are still on my credit report. My request was to get results or answers to my original dispute and identity theft case filed early XXXX. 
XXXX has told me that the platform they use has technical issues and that they will be resolved within 2 to 3 days of time however this is not true, I can not access my credit report through the XXXX platform. 

My request is that XXXX remove the hard inquiries from my credit report as they are fraudulent and numerous, I also request that they block the additional accts that I disputed with documentation on XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX with validating documentation that I included with all of my disputes. 

The complaint that I filed prevuousky through CFPB about XXXX barely touches the issues, delays and absence of action that XXXX has exampled throughout my effort to restore my good credit standing. The process has not been as stated in the Fair Credit Reporting Act and I want the hard inquiries and fraudulent accts blocked from my profile, and from potential credit opportunities. 
The response that I received after using this platform to express the problems that have been encountered do not hold this company accountable for the lack of action and the lack of progress despite following the FTC guidelines to restore my credit rating to pre identity theft condition. 
By allowing XXXX additional time after 30 days has passed is not providing me the consumer with anything that I wasn't already experiencing before addressing my issues to the CFPB. 

PLEASE make XXXX address the identity theft accts on my report, remove all of the fraudulent inquiries so I can begin to build a healthy FICO score. The opportunity that having good credit provides has been stolen from me and time is of the essence. I own a company and can not provide the basics of ownership to the people that XXXX employee. Getting funding of any amount to grow the company in order to hire more people is passing me by and the time, effort and energy that I have applied to just getting back to XXXX has been mountainous by any standard. 

My request is to not give this company any more of the most valuable commodity we have as humans, TIME. 
Please make this company do the right thing and remove the negative and fraudulent inquiries that plaque my credit profile immediately. 

Thank you so very much! 

With respect, consideration. 

Kindly XXXX XXXX

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