Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau 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 ) Identity Theft and Regulation E Violations Reference : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB Complaint Division : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) for serious violations of federal banking regulations, including failure to properly investigate identity theft, unauthorized possession and transmission of my Social Security Number, and violations of Regulation E 's error resolution requirements. 

KEY VIOLATIONS : XXXX. Identity Theft and Unauthorized Account Activity : XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX XXXX XX/XX/XXXX, showing they had my SSN " on file '' - When contacted, XXXX XXXX XXXX  denied having any records associated with my SSN - Bank designated XXXX as " XXXX XXXX XXXX' without my knowledge or authorization - Account number created without my consent XXXX. Regulation XXXX Violations : - Failure to properly investigate unauthorized XXXX claims - Refusal to provide account information to rightful owner - Stonewalling investigation attempts- Providing inconsistent and misleading information about records XXXX. Pattern of Institutional Misconduct : - Contradictory statements about record possession - Transfer of calls between departments to avoid investigation - Deliberate obstruction of information requests- Possible coordination with other parties in concealment TIMELINE OF EVENTS : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN already " on file '' - Listed as " XXXX XXXX '' without authorization - Referenced unknown account number XX/XX/XXXX : - Contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX form XXXX Bank denied having any records with my SSN - Representatives provided contradictory explanations - Suggested contacting landlord despite XXXX XXXX  XXXX sending my SSN - Multiple supervisors avoided providing information - Calls deliberately disconnected during transfers REGULATORY VIOLATIONS : XXXX. Electronic Fund Transfer Act & Regulation E : - Failed to properly investigate unauthorized activity - Did not provide required error resolution procedures- Violated record retention requirements- Failed to provide access to account information 2. Gramm-Leach-Bliley Act : - Unauthorized possession of personal information - Improper sharing of SSN - Inadequate data security measures - Failure to protect consumer privacy 3. Fair Credit Reporting Act : - Unauthorized access to credit information - Failure to investigate disputes - Improper information sharing - Violation of consumer rights SUPPORTING EVIDENCE : XXXX. Documentary Evidence : - Original XXXX form showing unauthorized SSN possession - Bank correspondence showing contradictions - Written demands for information - Record of phone calls and transfers XXXX. XXXX XXXX : - Pattern of stonewalling - Inconsistent explanations - Deliberate obstruction - Coordination with other entities XXXX. Related Evidence : - Police reports regarding identity theft - Civil court filings- Other institutional records - Communication evidence REQUEST FOR INVESTIGATION : I request that the CFPB : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  : - Unauthorized possession of my SSN - Creation of unauthorized accounts - Violation of Regulation XXXX - Pattern of obstruction XXXX. XXXX XXXX XXXX XXXX XXXX  to : - Provide complete account records- Explain unauthorized SSN possession - Detail all accounts opened- Preserve all relevant evidence XXXX. Take Enforcement Action : - Issue civil monetary penalties - Require corrective actions - Mandate compliance reforms- Monitor ongoing conduct BROADER CONTEXT : This complaint is part of a larger pattern of financial misconduct currently being litigated in XXXX XXXX XXXX. The conduct of XXXX XXXX XXXX XXXX  suggests institutional participation in a broader scheme of identity theft and financial fraud.

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