Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing multiple items on my credit report as outlined in FCRA 605C and 12 CFR 1022.142 since submitting a next-day delivery USPS certified package with all supporting documentation to these CRAs on XX/XX/XXXX. I followed up with a subsequent complaint/email on XX/XX/XXXX to both entities and CFPB and have yet to receive a response or resolution. It is now XX/XX/XXXX and these disputes are still OPEN and the accompanying cases are not closed. 

Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy - ( A ) ... '' 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. '' Furthermore, ( B ) " Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. '' Complaints with CFPB were filed against both XXXX ( CFPB Complaint ID XXXX ) and Experian ( CFPB Complaint ID XXXX ) after they received detailed and heavily documented disputes on XX/XX/XXXX via USPS certified mail as outlined in 605C. Theyve since, however, reopened these investigations, one CRA even updating my consumer profile inadequately causing my score to decrease even further. My reports have now been in dispute for more than a month causing further financial and irreparable harm to my financial circumstances and credit report. Ive done absolutely everything required by section 605C of the Fair Credit Reporting Act, however, both entities continue to drop the ball and neglect their federally mandated duties. 

I demand that the accounts be removed immediately from my credit report per the FCRA guidelines above. They have had MORE than the allotted 4 days per FCRA 605C and 12 CFR 1022.142 for human trafficking survivors and are now at 30+ days unjustly despite laws outlined in 15 U.S. Code 1681i. Pursuant 12 CFR 1022.142 ( e ) Block of adverse information resulting from trafficking - ( 1 ) Block upon receipt of the submission. Except as otherwise provided in this section, within four business days of receipt of the consumer 's submission under paragraph ( d ) ( 1 ) of this section, a consumer reporting agency must block the reporting of any adverse item of information identified by the consumer ( or their representative ) as resulting from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX 

They are inherently and perpetually showing bias to women of XXXX and victims of vile crimes and should be fined and investigated accordingly.

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