Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I XXXX XXXX : I hereby submit a formal complaint against XXXX AND XXXX AND EXPERIAN XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX AND EXPERIAN AND XXXX highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank XXXX : I have reasons to believe that XXXX AND EXPERIAN AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND EXPERIAN AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX AND EXPERIAN AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. Discrimination : XXXX AND EXPERIAN AND XXXX has not only failed to unlock my CONSUMER report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my CONSUMER report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX AND EXPERIAN AND XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX AND EXPERIAN AND XXXX refusal to do the same raises serious concerns about their practices. XXXX. XXXX XXXX : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX AND EXPERIAN AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience BUYING A HOUSE FOR MY KIDS BECAUSE XXXX AND EXPERIAN  AND XXXX MISLEAD OTHER creditors LOOKING AT ME negatively EVERYTIME I TRY TO APPLY FOR A HOUSE OR A ACCOUNT THEY TELL ME NEGATIVE ACCOUNTS THAT ARE NOT MINES Find attached an FTC identity theft REPORT as proof I give you 4 working days to resolve this issue as this account status is defaming my character and I have lost a lot of business relationship and ability to business with creditors. Because of this defamation of character, I have suffered emotional and financial damages for years and you have also stolen from me. This is the first time I am speaking in years of suffering and pain as a victim of identity theft. You have 4 working days. Kindly take this seriously. Regards XXXX XXXX because how is experian and XXXX AND XXXX verfiying this is accuarte on my credit report they saying this address XXXX XXXX XXXX, XXXX, XXXX, XXXX WHO ADDRESS IS THIS IS REPORTING AND I DONT STAY THERE NEVER HAVE AND HOW is how they are verfiying it this is not my adress clearly this is a fraudulent adresss that i never live at please block and remove off my credit report. I CANT EXPERIENCE MY CREDIT AT ALL IN A POSTIVE WAY I AM NOW homeless with my XXXX kids why are you guys reporting this false accounts THIS IS CAUSING ME XXXX XXXX XXXX XXXX please remove and block.

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