Date Received: 2024-02-02
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: The Attorney of General District of New Jersey XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX Dear sir, I have decided to write a letter to you because of the request of Experian employee to ask you the state laws regarding the credit repair companies, which offers some kind of services to the customers who need the credit repair to my CFBP report ( XXXX ). As far as I understand myself, I do not think myself who need the credit repair by the credit repair companies ; however, since this employee of the Experian asked me to beseech you to contact for the necessary information for some kind of recovery. I do not think this recovery means recovery of credit debt, since I pay off every month whatever I used by the credit cards. I do not own any property ; therefore, I do not have any loan. So, this alleged repair must have meant the different issue which I am facing now, identity theft ( report number XXXX ). I have the doubt this Experian employee ( XXXX ) understand my situation of identity theft because this office constantly has sent me the reports, which changes the content sometimes whenever I made a complaint to CFBP. I just requested to answer why duty alert was added at first, even though it was deleted, and why my main bank credit card information was in dispute. I have not received any answer on duty alert. I believe I have the right to know the reason as a XXXX XXXX who do not have the responsibility to serve the army of the United States, especially, as far as I remember, XXXX do not have the military. I believe this is the etiquette and the attitude of the XXXX XXXX toward the XXXX, who became a victim of identity theft ; otherwise, there might be a suspicion this Experian employee might be a complicit of identity theft, since this employee can not explain the situation. This suspicion was strengthened by the review on another CFPB report ( XXXX ). Here, the Experian employee stated alleged identity theft toward me. I received the identity theft report on XX/XX/XXXX of XXXX. I have never expected this. I just started to claim due to the dental grievance. I did not recognize any serious issues or debts on my credit reports at first, except duty alert, which was unfamiliar and not understandable for me, since I was a XXXX XXXX. This statement of Experian employee, alleged is indignant because this person does not have the capacity to understand the series of trials and challenge which ended to the filing to the court ( XXXX ) at the end of XXXX. I filed it because the envelop was mailed to ask me to file, in the middle of chaos to understand the meaning of happenings by filing toward the credit report companies and other financial companies. I paid {$400.00} as fee with a question what it meant. Fortunately, some of my friends it was an experience of learning. Secondly, I have received the identity theft report from the XXXX and I am trying to recover my identity following identitytheft.gov. However, the review of Experian employee on my CFPB report ( XXXX ) said the identity theft report should be included the following information *When the loss or theft of personal information occurred or when the fraud ( XXXX ) occurred. Toward this, I want to ask when and how the identity theft happened. The identity theft report was sent without warning after the fraud and illegal usage of my credit cards. If this employee asks me to provide this information, I need to give him/her the private information ; therefore, it is not allowable. *How you discovered and learned of the theft. I learned by the identity theft of your government of the United States. If this employee considers this report is not authentic, he/she needs to give a proof. I believed this one is authentic and spent so much time to file on XXXX and CFPB more than XXXX cases. *Any known information about the perpetrator. I do not want who were perpetrators myself since I filed so many by myself. If he/she wants to know who he/she is, just ask the police or any other authorities which are in charge. *The names of creditors and account numbers involved in the theft. I can tell the name of credit card provider, who issued the new cards 5 times. I do not want to get any other credit cards at this moment until I am sure the American society is reliable and safe to use the credit card without hacking and illegal usage. *Name and/or badge number of the law enforcement personnel who processed the report. I do not know any law enforcement personnel who processed the report. I just received an identity theft report by email. *The filing date and case number. As far as I know the email was sent on XX/XX/XXXXXXXX XXXX XXXX. I can check when I filed the reports on XXXX and CFPB with filing numbers. But I am not sure whether the employee has the right to see these personal reports, as one private company employee. I would like this employee to indicate he/she has the right to see all these files to have submitted to the governmental organization with legal authorization. There are no voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof as this employee stated. Since this employee continues to state as if I am not an identity theft victim, I request Experian company itself to prove or not that Experian has received the documents for the extended alert, which I have sent several times. I believe they were good enough to show I was an identity theft victim. I want to express the gratitude to this Experian employee to explain in detail what and how the identity theft happens. Therefore, somebody must have made the credit card account and got a loan in my name. In that case, I have the right to ask the governmental organization of the United States to investigate this matter for me to protect me to live safely in this country, the United States, without facing any problems on this illegal usage of my name and identity. As this employee stated, I request the agency will make sure I will not have any bills occurred by the identity theft, which means I will not have any responsibilities to the bills made by not me. That means those which I have not bought, even though I have the slight question how this employee can prove which credit cards are illegal. I tried hard myself not to happen this illegal creation of the credit cards in my name after the FTC identity theft report was sent. Therefore, the entire content of this review by this employee is disgusting and harassing the feeling of identity theft victim. I want to ask this company, Experian, whether this company and its employee ( XXXX ) has/have the right to harass the ordinary person to treat the identity theft victim as if not identity theft victim, especially, in the case of a XXXX XXXX This employee states something about the business. Entire section regarding this comment does not make sense. As an individual XXXX XXXX, who has a business which registered name does not relate my name and personal identity, I might need to ask the reason why this employee has stated something about business. I need to mention this because my court file name is XXXX XXXX XXXXXXXX. Since I am an educated XXXX with some higher education degrees, I am not used to be called my first name, especially in public, for example, legal file. As my first name should be meant an individual, I have some doubt, from the beginning, why I was asked to file to the business, XXXX. Kindly, this employee mentioned the SECURITY FREEZE, which I already did, without any concern of future loan, credit mortgage, and credit extension. As a victim of identity theft, I do not feel to get a new one, because I do not believe anyone, especially, if you see the credit extension during the recovery process without my request. I kindly ask thy company not to mention same content twice for the reader, especially, if the content has the character which cause the unpleasant impression of intention of review. As this employee stated in the review, please submit my dispute question how duty alert was added and why my credit card information ended up the dispute later after the proceedings of recovery due to the identity theft to the furnishers or vendor, which I do not know who they are, for the clear and concise explanation to make me understand the reasons of identity theft itself. I request this employee to tell me which public agency I should ask to get the answers above mentioned questions. I am looking forward the answer from the employee of credit report company, Experian. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: STILL WORKING ON STALLING IS THE ONLY THING THIS FRAUDULENT COMPANY IS WORKING ON because it's all they do AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This account was charged off on XX/XX/XXXX. Since then the account has repeatedly been updated as charged off on numerous months. The account also has inconsistencys in payment history across all 3 credit bureaus. XXXX 30 days late XX/XX/XXXX Experian 90 days late XX/XX/XXXX XX/XX/XXXX At the same time reported charge-off on the same months. A charge off should not include active payment history. This inaccurate information falsely manipulates the statute of limitations. I have opened an investigation directly with the credit bureaus with no change or resolution. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This fraudulent worthless company lied again with another you can view on line AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am requesting My payment history to be deleted from all 3 credit experian, XXXX and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was reviewing my credit report and I have been a victim of fraud. I need the mentioned hard inquiries removed from my credit report. 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 They do not belong to me, I will never authorize them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: All experian does is lie lie lie lie lie lie lie lie lie lie lie, can't view its a ploy AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I called Experian on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to have incorrect/transposed legal names removed from my Experian credit report. The declined to remove stating they did a reinvestigation according to the 15 USC 1681. Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my right under 15 USC 1861. According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy. According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian stated over the phone that the information they have is correct as per the " Credit Card '' companies. The only name I provided to my creditors is XXXX XXXX XXXX XXXX which have provided a copy of my SSN card and State Driver License proving my true legal name. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95820
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is a follow up to the following currently open cases : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX REMINDER : Dont forget that you will be receiving a followup complaint everyday until you have taken steps to address this issue and I am no longer being harmed by your reckless disregard for State and Federal laws and the rights they afford me. Today I received an email from Experian that stated " We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. '' 1. At no time have you ever been given consent to dispute the information in question. It has only been reported to you as being the result of identity theft and you were asked to fulfill your statutory obligation to block the information in accordance with section 605B of the FCRA. That request was sent to you on XX/XX/scrub>XX/XX/2023, which Federal law stipulates that the CREDIT REPORTING AGENCY MUST BLOCK THE INFORMATION WITHIN 4 BUSINESS DAYS. Experian disregarded this requirement and over 3 months later has still not complied. Yesterday I spoke with an agent from Experian who confirmed you have and have had all the required documentation needed from me to block the information from my credit report in accordance with section 605b of the FCRA. However, I also learned from the agent that Experian does not handled requests made to block information which is the result of identity theft, in accordance with section 605b. The agent informed me that Experian does not block the information itself and instead relies on the furnisher to do so. FCRA 605B ( a ) ( 15 U.S.C. 1681c-2 ) states " Except as otherwise provided in this section, a CONSUMER REPORTING AGENCY shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Thus it is Experian who is responsible for blocking the information and not the furnisher. Even if Experian were to delegate this responsibility to the furnisher, Experian would still be responsible for full compliance with the applicable law and thus would be liable for the harm caused by any non-compliance. In the present matter, the first time Experian received notice from me, which fully complied with FCRA 605B ( a ) was on XX/XX/2023. Regardless of whether Experian, the furnisher, or another third party was delegated the task of review and approval of the request by Experian, It was still legally obligated to ensure the task was completed within 4 business days, which would have been XX/XX/2023 at the very latest. No action was taken until XX/XX/2023. Not only was Experian 's reaction untimely, it did not conform to the requirements of section 605B, specifically section 605B ( d ) 2, which states " If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. '' Section 1681 requirers among other things that the notification from the Credit Reporting Agency of its decision to not block information the consumer has stated is the result of identity theft, must include " a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ''. Not only have none of your notices included this information, your agents have bluntly refused to comply with my requests for such information. Some of them have even hung up on me when I requested it, which only further demonstrates the lack of professionalism, accuracy, and accountability at Experian. Experian has since been given multiple opportunities to address its mishandling of my requests, but has declined to do. As a result I have and will continue to suffer irreparable harm. For example at the end of this week I will be homeless because I have been unable to secure housing because of the reporting of this information by Experian. Forcing someone into homelessness is inhuman and pure evil. The damage Experian will cause me come Friday will have a permanent adverse impact my life. Should this happen, I will spend every waking moment of my life to ensure you are held accountable and to stop you from ever doing the same to anyone else again. This is todays a follow up to the following currently open cases : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX REMINDER : Dont forget that you will be receiving a followup complaint everyday until you have taken steps to address this issue and I am no longer being harmed by your reckless disregard for State and Federal laws and the rights they afford me. So last night I called and demanded that I be assigned yet another fraud resolution specialist, you know those people you employee who are supposed to " be work you every step of the way '' when a member falls victim to identity theft. In case you dont remember, the last two called me once, tried to conference in the furnisher but couldn't and then never returned any of my hundreds of calls to them again. So this new specialist was almost hilarious because of how little he actually knew or understood about applicable laws. He even told me that " We comply with the FCRA. We don't have to follow California law ''. Contrary to what he might think, when Experian is required to comply with California law, when it comes to someone like myself, who is a Californian. He also claimed to me that the FCRA gave Experian the right to not block the information because the Furnisher said not to. In that spirit, here are some of the California laws which you have, are, and will continue to violate until you properly handle my block request : Cal Civ Code Section 1785.16 ( k ) If a consumer submits to a credit reporting agency a copy of a valid police report, or a valid investigative report made by a Department of Motor Vehicles investigator with peace officer status, filed pursuant to Section 530.5 of the Penal Code, the consumer credit reporting agency shall promptly and permanently block reporting any information that the consumer alleges appears on his or her credit report as a result of a violation of Section 530.5 of the Penal Code so that the information can not be reported. ( l ) In unblocking information as described in subdivision ( k ), a consumer reporting agency shall comply with all requirements of this section and 15 U.S.C. Sec. 1681i relating to reinvestigating disputed information. In addition, a consumer reporting agency shall accept the consumers version of the disputed information and correct or delete the disputed item when the consumer submits to the consumer reporting agency documentation obtained from the source of the item in dispute or from public records confirming that the report was inaccurate or incomplete, unless the consumer reporting agency, in the exercise of good faith and reasonable judgment, has substantial reason based on specific, verifiable facts to doubt the authenticity of the documentation submitted and notifies the consumer in writing of that decision, explaining its reasons for unblocking the information and setting forth the specific, verifiable facts on which the decision was based. ( i ) A consumer credit reporting agency shall maintain reasonable procedures to prevent the reappearance in a consumers file and in consumer credit reports of information that has been deleted pursuant to this section and not reinserted pursuant to subdivision ( c ). ( d ) A consumer credit reporting agency shall provide written notice to the consumer of the results of any reinvestigation under this subdivision, within five days of completion of the reinvestigation. The notice shall include ( 1 ) a statement that the reinvestigation is completed, ( 2 ) a consumer credit report that is based on the consumers file as that file is revised as a result of the reinvestigation, ( 3 ) a description or indication of any changes made in the consumer credit report as a result of those revisions to the consumers file and a description of any changes made or sought by the consumer that were not made and an explanation why they were not made, ( 4 ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the consumer credit reporting agency, including the name, business address, and telephone number of any furnisher of information contacted in connection with that information, ( 5 ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information, ( 6 ) a notice that the consumer has the right to request that the consumer credit reporting agency furnish notifications under subdivision ( h ), ( 7 ) a notice that the dispute will remain on file with the agency as long as the credit information is used, and ( 8 ) a statement about the details of the dispute will be furnished to any recipient as long as the credit information is retained in the agencys data base. A consumer credit reporting agency shall provide the notice pursuant to this subdivision respecting the procedure used to determine the accuracy and completeness of information, not later than 15 days after receiving a request from the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A