Consumer complaint received 2024-08-03 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: NY

Complaint narrative:
I have my life insurance with XXXX. I received a letter from them stating their system was hacked and my personal information was compromised. They told us we can sign up with XXXX XXXX XXXX, which I did. 
Around XX/XX/XXXX I received an alert from them stating check my account. I saw there was an XXXX account on my EXPERIAN CREDIT REPORT. 
The following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported it to XXXX and they said they were unable to resolve a fraud issue because I dont have an account with them they said it a credit bureau XXXX. 


I received an email from EXPERIAN that stated : Image XXXX XXXX XXXX, We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. 
Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request.

To view your rights, visit www.experian.com/fraudrights and www.experian.com/fcra. 

We received the copy of the identity theft report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. 
Please send : all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency To verify your identity, please include the following : Your full name including middle initial ( and generation such as XXXX, XXXX, XXXX, XXXX ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc. 
Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 
To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. Be sure to enclose a copy of the identity theft report that alleges this crime. 
If you do not provide Experian with the required information specified above, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. 

We are responding to your request that information in your personal credit report be blocked due to alleged identity theft. We are requesting additional information that you must provide in order for us to act upon your request. However, we have conveyed your dispute to the furnisher ( s ) of the information directly. If you disputed a public record item, we conveyed your dispute to the vendor that collected the information from a public record. Once the dispute process is completed, we will notify you of the results.

If you still wish to have this information blocked, please submit an identity theft report without the deficiencies noted at the end of this letter.

A valid identity theft report is an official report specifically complaining about identity theft that has been filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service, or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false. The identity theft report should include as many of the following elements as possible : Specific dates such as when the loss or theft of personal information occurred or when the fraud ( XXXX ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number.

In addition, please enclose one copy of the below information along with your valid identity theft report : One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years Also list each account and account number and any other information that you believe appears on your credit report due to identity theft. 

Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 

To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. 

The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information.

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! 

PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. 

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners. 

Privacy Policy Contact Us I never had an XXXX  account and that was confirmed by XXXX. 

EXPERIAN is in error stating that this account can possibly be mine.

I have limited credit devices that I use and XXXX is not one of them. 
This negative report by EXPERIAN is causing me considerable hardship because it is appears on my credit report and I am actively looking for a car loan. 

I ask that EXPERIAN remove this XXXX account from my credit report. It is not being reported by the other credit bureaus. 
Its fradulent and needs to be removed.

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