Credit reporting or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #11048495

Complaint Overview

Complaint ID: 11048495

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with fraud alerts or security freezes

State: Washington

ZIP Code: 98031

Date Received: 2024-12-05T12:00:00-05:00

Date Sent to Company: 2024-12-05T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Opt Out Request : Submitted XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Consumer Privacy Report Request : Submitted XX/XX/XXXX Please note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my Experian credit profile. Opt out should be effective from XX/XX/XXXX. Please Note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my XXXX XXXX credit profile. See attached. Please note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my Experian credit profile and access to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached. Please note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my Experian credit profile and access to XXXX XXXX XXXX IS LIMITED TO THE OPENED NON- SECURED LOAN ACCOUNT. Any and all access including but not limited to the NEW TRADE-LINE ; XXXX XXXX ACCOUNT furnished XX/XX/XXXX are prohibited and fraudulent activity under to FCRA impermissible access. A complaint has been lodged against XXXX with FTC officials regarding their failure to comply. See attached. I have collected evidence that demonstrates the fraudulent activity of the above referenced parties. Any parties found to be engaging in attempts to prevent, conceal, redact, and/or destroy evidence will be prosecuted for their complicity in the crimes. Please find the attached Experian Credit Profile information. Under FCRA guidelines I am entitled to the names, dates, addresses as well as all information related to the sale and distribution of my personal information. Please provide : Requested Data Analysis & Data Recovery : Requested Creditors- Furnished Accounts : XXXX Reports Credit Reports XXXX XXXX Proof Accounts were transferred to collections, post bankruptcy ( XX/XX/XXXX ) Proof of Accounts Furnished post bankruptcy ( XX/XX/XXXX ) Dates of Monthly Furnishings Account Information - Creditors Addresses, Collections Companies Addresses, Account Numbers Date Open Original Contracts Original Creditor Original Loan Amount Payment History Account Closed/Charge Off Date Date of Transfer Amount Charged Off Proof Account Validated Dates Dates of Contact Attempted by Furnisher Debt Settlement Contracts Debt Settlement Payments Bankruptcy Department Addresses Litigation Addresses -Service Address Email addresses Department Order of Operations CRAs Furnished Accounts -Notification/ Validation of XXXX or Human Interaction Credit Reporting and Dispute System Software Companys Code of Ethics Companys Investigation Process and Procedures Identity Theft Procedures Training and Certification Procedures Departmental Ethics- Certified Compliance Procedures, Conflict of Interest Resolution Requested -Credit Disputes -Investigation XXXX Reports Credit Reports XX/XX/XXXX - XXXX Disputes Submissions Proof Creditor Knowingly Furnished Statements, Open Accounts of Deficiencies-Post Bankruptcy ( XX/XX/XXXX ) Detailed Itemized Overview showing access to my credit profiles XXXX XXXX for each creditor/employer named above Dates of Disputes- Timeframe Employees Assigned to Handle Disputes XXXX Codes, Regulations, Procedures, Escalations, CRA interactions Dates of Access Method of Permissible Access Proof of Dispute Findings Department Order of Operations Identity Theft Procedures CFBP Responses- Attorney General Responses - name , employee ID Dates of Discharge/ Verification of Notification/ Validation of AI or Human Interaction Proof of Supporting Data Supplied to Consumers Proof of Data received by consumers Consumer Contacts- Dates, Timestamps , Length of call , Read and delivery receipts , coded escalations, and resolution results Proof of Harassment, emails, bad borrower list, Impersonation and impermissible access-dates, employee information, published purposes Verification of who published XX/XX/XXXX Fraud Alert to Clarity Proof of who responded to disputes, internal communication re : consumer Soft Inquiries Transactions Consumer Summary of Expected Outcomes : XXXX XXXX requested the details be provided on XX/XX/XXXX. See attached request report # XXXX. Report should contain all information outlined above starting from years XXXX to XX/XX/XXXX. Upon the completion of report # XXXX further directives will follow.

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