Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I, XXXX XXXX, hereby submit a formal complaint against XXXX, XXXX, and Experian services 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, Experian, and XXXX, highlighting a pattern of potentially illegal practices by the companies. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reason to believe that XXXX, Experian, and XXXX have 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, Experian, and XXXX are 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, Experian, and XXXXXXXX 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, Experian, and XXXX have not only failed to unlock my consumer report despite numerous requests but also appear 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, Experian, and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX, Experian, and XXXXXXXX XXXX refusal to do the same raise serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX XXXX, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX, 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. Attached is an FTC identity theft report as proof. I give you four working days to resolve this issue, as this account status is defaming my character and I have lost many business relationships and the ability to do 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 out in years of suffering and pain as a victim of identity theft. You have XXXX working days. Kindly take this seriously. Regards, XXXX XXXX Why is Experian and XXXX and XXXX verifying this as accurate on my credit report? They are reporting this address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX. Whose address is this? It is reporting, and I don't stay there, never have. How are they verifying it? This is not my address ; clearly, this is a fraudulent address that I have never lived at. Please block and remove it from my credit report. I can't experience my credit positively at all. I am now homeless with my XXXX kids. Why are you guys reporting these false accounts? This is causing me extreme XXXX and 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