Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir, Today, I received the credit report ( # XXXX ) of your company by mail and decided to inquire why your company credit report online has the personal statements, which states : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

FILE FROZEN DUE TO FEDERAL LEGISLATION As you might have realized this part, personal statements, is not included in the printed credit report. And as far as I see with other company printed credit reports and online reports, this part is not included. This discrepancy might be said allowable due to the nature of private company, which allows the individual expression of document. However, I believe the function of credit report should be the statement of private and individual information, which needs to be kept safely. Therefore, I wonder why the United States government allows these credit report companies create their own format of credit reports. I believe it need to have the consistency to show the reliability ; otherwise, they are not reliable and allows the possibilities to create several possibilities of identity formation, which might allow the identity fraud. Since other companies do not have this part in the credit reports, I expect you will explain why you added this part in the online version. If you consider this part is unnecessary after a few months questions why my credit report has the duty alert even though I asked many times the reason why this alert had added. Your company has never answered this question and now you just omitted this questionable part as if to tell it is not important at all since, I have a good credit score and do not have to worry so much. To say truth, other company credit reports do not have the credit score at all. I can not see any credit score at other company website. I expect your company will explain why your company credit report tends to delete many things without any explanation, because this is my credit, not yours. Your company needs to remind yourself you are just one private company in the middle of global world.

What is this FILE FROZEN DUE TO FEDERAL LEGISLATION. I need the explanation on this part. And I request the clarification of meaning of EXTEND, because it might have the extension of fraud alert or extension of credit limit. If it is meant the latter, your company shows the function of credit card company ; therefore, I need to ask another question why your company needs to ask the credit card companies not to extend the limit. 

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 explanation