Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an alert notification from XXXX XXXX XXXX XXXX XXXX advising me that my social security number was detected on the dark web on XX/XX/XXXX. I followed the instructions provided and notified the following organizations : Local police, and social security. On XX/XX/XXXX Credit Secure Representative XXXX placed a fraud alert with all 3 credit bureaus XXXX XXXX XXXX, XXXX and Experian ). On or about XX/XX/XXXX I received notification from Experian providing their contact Information and advising me that they placed an Initial security to my credit file. I was advised me that if I correspond with them, I must include my name. social security number and government Issued ID such as my drivers license. On XX/XX/XXXX I attempted to open a credit card at the local XXXX store and was advised that they were not able to complete the pre-qualification process, and that I would receive a notice in the nail with further instructions. On or about approximately XX/XX/XXXX I received a letter from comenity XXXX XXXX  advising me that my request for a XXXX card was declined based on their inability to verify my previous credit experience. On XX/XX/XXXX, I spoke with XXXX of XXXXXXXX XXXX  and he was able to view my score with Experian and reported it as XXXX as of that date. I have made several attempts ( XX/XX/XXXX, XXXX phone attempts XXXX XXXX attempts XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempts ) to contact Experian via phone and can not make contact with a service representative. I will not place my social security number and photo ID in correspondence with them as that is contrary to what the local police, and social security representative advises me when I contacted them. Therefore, I would like a direct number and r email address for a representative from Experian that I can communicate with. I would also like my application for XXXX to be approved. Does the freeze and or alert placed on my accounts prevent certain Vendors for viewing my credit score? If so, what can be done to have them review it and keep my fraud alert active? 

I received a letter dated XX/XX/XXXX from Experian with the header your dispute results. they failed to respond to any of my above concerns. I can only infer from their response that they did not read my compliant. They sent me a copy of my credit history which should have been sent to XXXXXXXX XXXX XXXX in reference to my application for a XXXX account being denied. They failed to provide XXXX with information on my credit history which resulted in my application being denied as outlined in my initial compliant .Nor did they provide me with the contact information I requested above in the initial compliant of someone I could communicate with. Nor did they answer the following questions from the initial compliant : Does the freeze and or alert placed on my accounts prevent certain Vendors for viewing my credit score? If so, what can be done to allow potential creditors to review my credit history and score and keep my fraud alert active? I would also like them to provide XXXX and I with my XXXX XXXX. 
On XX/XX/XXXX I received a notice from cfpb that the company stated taht they will still working on the problem. However on XX/XX/XXXX I received correspondence from experian with the header that reads your dispute results.The letter address my XXXX alert and not the concerns I outlined in my compliant. 
I spoke with a customer service representative from Experian name XXXX ( week of XXXX XXXX ) who advised me of the following : Experian does not respond to my type of concerns. A fraud alert does block credit report from being viewed. Some credit companies will not run or check credit reports if there is an alert. Credit companies that review the credit with an alert will call the consumer to confirm his/her ID. Some companies will ask the consumer to remove the alert No inquiry regarding my credit was made by Comenity capital bank in XXXX of XXXX or anytime thereafter.

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