Consumer complaint received 2024-03-16 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:
In regards to complaint number XXXX their answer is that they need more time and I believe theyre saying 60 days. Section 605B of the fair credit reporting act specifically says that once an identity theft packet is received by a credit reporting agency and all of the documents are there which I have already provided a copy of in the above complaint that the credit reporting agency has four business days to remove and block the information identified by the consumer as fraud. What company does is say that I either miss filed or that I received goods. Theres no way of them knowing those facts other than getting the information from the furniture of information, and then, providing the credit reporting agencies the same data that shows someone used my name to obtain goods that fraudulently and without my permission. This is the problem that they are allowed to continue to violate federal law by claiming ignorance. The law is written very specifically, and the timelines are very specific, and the credit reporting agencies know this, but again, the people who furnished the information are the credit reporting agencies, real customers that actually pay them to use their services. Reporting agencies have no interest in protecting consumers and following consumer protection laws, and only our concerned with helping their real customers who are the credit card companies and other furniture information. Im only filing these complaints to document their responses and theyre obvious disregard for consumer protection laws that include federal and state protection laws. I plan on filing legal action in the eastern district of California for multiple violations of the fair credit reporting act, willful injury, and willful. Disregard. Ive also been financially impacted and hurt because I cant even move into an apartment currently because my scores reflect all of this fraudulent information that Ive requested to be removed that they refused to remove the laws. The furniture information only confirm the debt when I appeal it with the same exact information that they used to open the fraudulent account in the first place. There is no new information provided. However, out of 10 or 15 counts that werent mine I can give one example, XXXX XXXX, who actually possesses fingerprint evidence that was taken at the time that the account was open because the bill collector tried to tell me that they have your fingerprint on file when you open the account. I told the Bill collector that thats actually exculpatory evidence, and would completely prove my innocence because that fingerprint is not mine. The bottom line here is the credit reporting agencies choose to do whatever they want to do because theres no repercussions to what theyre doing. I would imagine that the majority of people that they steamroll and do this to dont have the means, or the know how to pursue legal action in court. There soon about to find out that Im not one of those people.

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