Credit reporting or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #11766242
Complaint Overview
Complaint ID: 11766242
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: Oklahoma
ZIP Code: 74008
Date Received: 2025-01-23T12:00:00-05:00
Date Sent to Company: 2025-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to report an ongoing issue regarding identity theft and the lack of support I have received from Experian in resolving this matter. I am a victim of identity theft, and unfortunately, Experian allowed someone other than myself to set up an account, granting them access to my entire credit file. I immediately contacted Experian to request that the account be shut down. However, I was told that I needed to provide documentation proving my identity. I complied promptly, submitting the requested documents in XX/XX/year>. Despite this, Experian refused to suspend the account for review until my identity was fully verified. I followed up regularly for four months, but there was no progress. In XXXX, I received an email stating that the documents I submitted were not clear enough to verify my identity. They requested that I resend the documents. Feeling both violated and frustrated by the delay, I complied and resubmitted the documents. It was not until XXXX that the account was finally locked. As a customer with Experian Identity Protection, I contacted their support team for assistance, but I was informed that this issue fell under a different department and that they could not help me further. Meanwhile, the person who gained access to my account had been tampering with my credit cards, changing my contact information, and even using my identity for apartment applications. My credit score has dropped by over XXXX points as a result, and I am now dealing with collections for an application made by this individual. I have also provided a police report number to Experian, but my case remains unresolved. This entire ordeal has been an ongoing nightmare, and the lack of support from Experian has only added to the stress.
Frequently Asked Questions
What is Complaint #11766242 about?
Complaint #11766242 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with fraud alerts or security freezes. It was received by the CFPB on 2025-01-23T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.