Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
We request the CFPB and FTC enforce federal law upon XXXX XXXX XXXX. We filed case XXXX with the CFPB and XXXX response to the CFPB from XXXX was XXXX, obstruction, and fraud by ommision. The CFPB claimed they reported to the FTC. On XX/XX/XXXX we reported to the FTC XXXX XXXX with NO response. On XX/XX/XXXX after the perjury to the CFPB we reported again to the FTC Case XXXX with NO response. We reported to our local police when this crime occured on XX/XX/XXXX Case XXXX and there is currently a search warrant in place, local police can not enforce federal law for crimes other than identity theft and is out of their jurisdiction. 

Please look at the prior factual evidence and written admittance from XXXX. CFPB XXXX XXXX, the XXXX response admits they did NOT close down the fraudulent account they opened until XX/XX/XXXX and is followed by perjury, obstruction and fraud by omission. XXXX also refused to disclose upon written request and is a FCRA violation. XXXX employees thefted our data and opened a fraudulent bank account and merchant account to embezzel. XXXX employees used stolen credit cards from other victims ran through the fraudulent bank account and merchant account they opened using our data. XXXX admitted in writing they wrongfully opened the fraudulent accounts and refused to disclose the employees involved. XXXX admitted in writing we didn't open the fraudulent accounts. XXXX is in violation of XXXX and XXXX law. 

We were never a customer of XXXX. On XX/XX/XXXX XXXX employees thefted our data and opened a fraudulent bank account at XXXX, our credit report was hit by XXXX on XX/XX/XXXX and the XXXX employees approved the fraudulent bank account they wrongfully opened using our thefted data. XXXX employees then opened a fraudulent merchant account at XXXX XXXX XXXX XXXX data on XX/XX/XXXX. Fraudulent transactions using stolen credit cards from other victims were ran through the fraudulent merchant account and collected through the fraudulent bank account at XXXX to embezzel. 

On XX/XX/XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX contacted XXXX and confirmed our data was thefted and used in the fraudulent bank and merchant accounts to embezzel. By law on XX/XX/XXXX XXXX placed our data on the XXXX XXXX for XXXX XXXX identity theft and closed the fraudulent merchant account opened by XXXX employees. On XX/XX/XXXX XXXX should have immediately CLOSED the fraudulent bank account they opened on XX/XX/XXXX. XXXX was AWARE they were CAUGHT on XX/XX/XXXX but were unaware of the XXXX placement. XXXX employees ALLOWED the fraudulent bank account to REMAIN open and attempted to open additional fraudulent merchant accounts to facilitate the fraudulent bank account but were BLOCKED by the Match the CAUSED on XX/XX/XXXX. On XX/XX/XXXX XXXX employees attempted to open another fraudulent merchant account at XXXX and were BLOCKED by the XXXX the XXXX on XX/XX/XXXX. After several failed attempts to open additional merchant accounts XXXX admits to the CFPB in their response to XXXX XXXX they closed the fraudulent bank account DOWN on XX/XX/XXXX. XXXX claimed to the CFPB the fraudulent bank account was immediately closed and is perjury to the CFPB. XXXX also claimed to the CFPB there were no losses knowing the caused a XXXX upon our data and there were losses to the other victims of the fraudulent transactions. XXXX omits to the CFPB they refused to disclose and is a FCRA violation, XXXX CAUGHT them on XX/XX/XXXX, the police report filed on XX/XX/XXXX Case XXXX, and FTC Case filed on XX/XX/XXXX, and is in violation of State and Federal law. The XXXX response to the CFPB defines perjury, obstruction, and fraud by ommision. 

XXXX CAUSED the XXXX on XX/XX/XXXX. The XXXX was placed for 5 years. The XXXX caused by XXXX has destroyed our businesses, data, credit, websites, products, and patents. After the fact of being destroyed XXXX admitted in writing to wrongfully opening the fraudulent accounts on XX/XX/XXXX but refused to disclose the employees involved. XXXX admitted in writing we didn't open the fraudulent accounts on XX/XX/XXXX but refused to disclose the employees involved. This behavior obstructed law enforcement. This behavior forced us to report to the CFPB on XX/XX/XXXX XXXX XXXX. XXXX responded to the CFPB on XX/XX/XXXX with perjury, obstruction, and fraud by ommision while in violation of FCRA, XXXX, Federal law forcing us to report a second time to the FTC on XX/XX/XXXX Case XXXX. The FTC did not respond to XXXX XXXX on XX/XX/XXXX or XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX XXXX never notified us of anything. XXXX disclosed XXXX and the events that took place on XX/XX/XXXX. We contacted XXXX after XXXX disclosed on XX/XX/XXXX. We contacted the same XXXX location that XXXX caught and contacted on XX/XX/XXXX. The location later found is an employee work center not open to the public. On XX/XX/XXXX we were advised by the location to file a police report so XXXX could start their so called investigation. Keep in mind, XXXX already contacted the location on XX/XX/XXXX, XXXX was already aware, XXXX also did not close the fraudulent bank account they opened on XX/XX/XXXX and attempted to open additional merchant accounts to facilitate the fraudulent bank account but were blocked by the XXXX they caused on XX/XX/XXXX, XXXX closed the fraudulent bank on XX/XX/XXXX only after several failed attempts blocked by the XXXX to open additional fraudulent merchant accounts to facilitate the fraudulent bank account. XXXX was fully aware during this period and required us to file a police report to start their so called investigation. On XX/XX/XXXX we filed with our local police XXXX XXXX. Clearly we were being obstructed by XXXX. We called several times and were told it's an ongoing investigation or XXXX was the delay. On XX/XX/XXXX we report the first report to the FTC XXXX XXXX with no response from the FTC. Seeking the XXXX so called investigation results we called several managers XXXX and XXXX XXXX. Both managers refused to disclose the investigation results. We sent a XXXX Notice to XXXX on XX/XX/XXXX. According to FCRA XXXX had 30 days to disclose and comply with FCRA. XXXX refused to comply with FCRA and was in violation so were reported to the CFPB on XX/XX/XXXX due to FCRA violations, XXXX and Fedetal violations, and criminal violations. We called the CFPB after the XXXX response and the CFPB claimed they report to the FTC. To further update the FTC we reported again on XX/XX/XXXX Case XXXX. We updated the police report Case XXXX from XX/XX/XXXX and local police placed a search warrant on XXXX for identity theft. 

We did not receive any response from the FTC so we reported XXXX forms to FBI. Local police can not enforce federal law. We reported to the XXXX XXXX which was very helpful and can assist our local police in the jurisdiction. We reported to the IRS form XXXX and they sent a letter saying they will address the matter in 60 days. 

To conclude ; XXXX admitted and the factual written evidence supports our claims. XXXX employees thefted our data and opened fraudulent accounts to embezzel. XXXX was caught in the fraudulent act. XXXX caused the XXXX for XXXX XXXX identity theft for 5 years. We remain destroyed on the XXXX until XX/XX/XXXX caused by XXXX on XX/XX/XXXX. Our businesses, data, credit, websites, products, and patents were destroyed. We request XXXX XXXX to be enforced. We request an order from the FTC for relief from XXXX. 

Are we missing something? How many reports are needed?

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