Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon further review of my previous complaints, all credit bureaus are in STILL in severe violation of the following federal laws : 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
In the case of XXXX, attempting to browbeat me into being a victim of identity theft by sending various and contentious information to a company based on an ill-written, spam like letter SENT TO THE ADDRESS THEY REQUIRE PROOF OF BEING ACCURATE, is not reasonable Nor does it in any way protect my right to privacy or a reasonable right to privacy. Furthermore, after contacting the company and being overtopped for an estimated hour on in by two separate representatives, it was discovered that they have no procedure for what happens to the information once it is actually sent to their company. I asked in excess of five separate times what happens to my personal documents if I were to send them into their company based on their letter that has two separate addresses to which to send the information to and received the same rehearsed speech of I will receive a letter stating whether or not XXXX has a file on me. It is still unclear what the importance of this letter stating whether or not a file from them carries. Finally, after some understanding of what was being asked, I was told this letter could help me get credit or improve my credit if I had little to no credit. I was then re-inform that XXXX does not appear to have a file for me and that all of their information was collected from a third-party agency therefore they could not be blamed for the information they were reporting. When I asked about the accuracy of their reporting, lies ensued as it relates to their reporting responsibilities and blame was placed on the lenders. I was also informed by the supervisor that I spoke to that the entire dispute team has no real knowledge of the letters that are being sent to homes when I inquired about the two separate addresses on the letter I received. This was probably the most unprofessional letter I have ever received by mail and appear to have been written by a five year old. During every facet of our hour plus long conversation, I was provided a sales pitch for the benefits for signing up on their website so that I can receive data on my file which they already claimed did not exist. I am sure theres a entire conversation can be pulled from their recorded files. Also it is highly suspect as to how I received a letter dated for XXXX XXXX in and around XXXX XXXX from two states over.

15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information- Procedure in case of disputed accuracy I have yet to receive a status of what is going on which each case other than what was posted in the responses on this website. According to this statue, I am to receive written correspondence on each investigation. 
I have not received any written correspondence at all from Experian and XXXX XXXX, and a poorly written letter not addressing the status by XXXX. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

According to their responses, I have not been notified of any such thing occurring. But I havent notified us that there are requesting additional time to review, however according to XXXX XXXX that one of these agencies has contacted them. Furthermore, my first attempt to resolve this issue was with XXXX XXXX. The second, third, and fourth attempts were with each bureau directly in which I was informed by their representatives that this matter would be handled. It has not been and it has been months. Even after contacting the CFPB, all credit bureaus are still stonewalling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation