Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
XXXX, a Financial Technology platform  has hundreds of consumer complaints and negative reviews over four-year periods. XXXX XXXX XXXX XXXX has been allowed to operate with no federal oversight. My personal information has been used without my permission in XX/XX/XXXX. Formal written complaints had previously been filed with the CFPB, FTC, and DFPI. In addition, the responses I received from the Credit Reporting Agencies ( CRAs ) were unacceptable. The CRAs have claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demanded that they provide me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file DFPI, CFPB, and FTC complaints, intending for the State Attorney General 's Office in their state to also be contacted for enforcement. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary stalling in correcting inaccuracies in consumers ' credit files. The CRAs have served no purpose in diligently taking appropriate action against predatory financial services platforms that hide behind their algorithms taking advantage of consumers except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts below are being reported fraudulently by XXXX and DO NOT belong to me : XXXX XXXX XXXX XXXX ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00}. The account numbers are XXXX / XXXX. 
As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so, therefore, that must mean they agree with me that this debt is false. I will use the Estoppel in my defense. XXXX executive management has been copied on all my complaints to the federal agencies and have completely ignored and blocked my email correspondences demanding they take immediate action to delete these negative, unauthorized accounts from ALL 3 Credit Reporting Agencies ( CRAs ) within 15 business days or I would commence a Federal lawsuit against XXXX in the Federal Court system and report this to the CFPB and the FTC for enforcement. The Federal Bureau of Investigation has been copied on this email so they are aware of the seriousness of the FCRA and XXXX violations of XXXXXXXX XXXX poor history in protecting consumers ' identities, and opening accounts resulting in inaccurate and erroneous reporting. The CFPB has done nothing but compound the problem by not escalating these complaints to the Criminal Division for enforcement.

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