EXPERIAN UNCOOPERATIVE ON CREDIT FREEZE

A California resident and client of KnightsBridge Castle, who was the victim on a recurring and unending credit card fraud, took our advice and submitted credit freeze demands to the three credit rating companies – Experian, Equifax, and Trans Union.

As a victim of identity theft from an organized group, who continually attacked the client’s credit, the client exercised his legal rights under California law and demanded that the credit rating companies cease selling his credit information. KnightsBridge Castle assisted the client is completing and fileing a valid Police Report and the Identity Theft Affidavit. Using KBC’s standard demand letters forms and the required supporting documents the credit freeze demand were submitted to all three companies. Within 5 working days, both Trans Union and Equifax had completed the freeze and ceased selling the clients credit information and facilitating identity theft.

However Experian returned to the client a form letter describing services unrelated to a credit freeze. A search of the credit records revealed that two credit companies had complied with the freeze, but that Experian had not. The client submitted a second letter complete with documentation and this time posted it certified return receipt. The return receipt indicated that Experian had received the letter. Again a strange form letter unrelated to credit freezes was returned and again Experian had not frozen the records making them available in facilitating continuing identity theft.

Frustrated the client called Experian and after waiting some time spoke with a representative who demanded additional information not required by California law.

Our client is convinced that Experian was creating obstacles to his exercising his right to a credit freeze as the victim of an ongoing identity theft attack in order to preserve its profits in selling his information. Experian demanded new documents and forms which the client will send today.

The identity theft attack was detected 43 days ago and rapidly diagnosed by KBC. The only effective way of stopping these professional crooks was a credit freeze. Two agencies accepted his request and complied with the law. Experian as of this morning has still not frozen the credit records – some 38 days after the demand for a freeze was initially submitted.