Experian Credit Reporting Complaint

Experian Credit reporting department,

Credit monitoring or identity protection Problem with fraud alerts Michigan

In -/-/2010 I was the victim of identity theft. The person or people had my name, date of birth, social security number, address, a credit card number, and a fake driver 's license. They attempted to get $15000.00 from a bank in another state that issued the stolen credit card number but the bank did not give them the money. They then opened several consumer credit cards and bought things before I was able to stop them by placing a 7 year fraud alert. I got a police report in the city where I live to officially report the identity theft.


Experian has a policy that they will not place a 7 year fraud alert unless there is a police report. I told them there is a police report. I was told there must be a new police report to issue a new 7 year fraud alert. They offered me a 90 day fraud alert. My argument is this : The data stolen from me ( name, DOB, SSN, address ) that allowed the thief or thieves to open credit cards at retail outlets has not changed and is still in the possession of the thieves. The risk of fraud is as real now as it was in -/-/2010 and no further fraud/new police report is necessary to prove that. Any consumer should have the right to restrict the use of their data for the purposes of opening a line of credit or credit card. A consumer with a history of documented identity theft all the more so. Requiring the consumer to renew a fraud alert every 90 days is akin to my child 's pediatrician offering vaccines that expire, and require a new shot, every 90 days. It does n't make sense, there is presumably a rationale on the part of Experian that relates to their business model and generating revenue from consumer customers, and in my opinion that is unfair and ought not be allowed.