Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I have contacted the credit bureau XXXX, experian and XXXX multiple times over the past 2 years by written certified mail because of inaccurate debt related accounts being listed on my personal profile, as well as inaccurate addresses and inaccurate spelling of my name. I have provided each credit bureau with proof of my identity, notarized documentation of the inaccurate accounts and inaccurate information in question multiple times. Each credit bureau has taken longer then 30 days to supposedly investigate my claims each time I have submitted written documentation. The credit bureau XXXX has recently blocked visual access to me to view my credit report and check for any updates. They have even informed you the cfpb that " They are currently investigating written claims that I have sent in '' and have provided you with a date in which they will respond to me per my last XXXX filed complaints with you. However, I have not received any correspondence from XXXX either written or electronically. My actual name is still misspelled within their portion of my credit report, addresses that I have never resided at are still listed on all three credit bureau reports for me which is illegal, and I have multiple negative accounts that are listed and no documentation has been provided to me showing that the accounts in question are legally mine. I have also let each credit bureau know that these negative accounts of debt do not belong to me several times by written certified mail with a return receipt. XXXX has taken a total of 71 days each time I have mailed them written correspondence and they claim to have investigated my written claims of inaccurate information and have not done an investigation at all. XXXX has not provided me with any written correspondence or written documentation of any negative accounts they have listed belonging to me. By law each credit bureau has 30 days to investigate a consumers written claim and respond by written mail back in regards to each account listed on that consumers credit profile. XXXX and Experian also removed a negative account that they couldn't prove was mine after investigating it and I received a message through my Experian app that told me that XXXX reached out to them and XXXX saying that the account was verified by them. Experian and XXXX then relisted the account back on my credit profile again and not one of the credit bureaus has provided me with any written or electronic correspondence of the relisting of this account. I just checked my credit report and noticed my credit score has decreased with this re added account being listed as a brand new account in XXXX when it is not a new account and it's not my account. I now also have 3-4 recent hard inquiries listed on my credit profile from XX/XX/XXXX with each credit bureau from companies that I have never heard of. I have reached out to each credit bureau about these inquiries and they have not removed any of them. I do not want XXXX to keep getting away with saying that they are still investigating my written concerns when they are in fact not investigating any of them they are stalling. They are still claiming to be investigating my written claims of inaccurate information on my credit report from, XX/XX/XXXX, XXXX of XXXX and XX/XX/XXXX each time they claim to not have documentation of my identity when I have sent notarized proof of my identity however I have kept copies of all documentation that I have sent them and I certified mail receipts and certified return receipts with the signatures of each credit bureau 's employees confirming the dates and times each of my written negative account challenges have been received. So by law they have to delete every account and piece of inaccurate information per the " FAIR CREDIT REPORTING ACT '' since they have taken longer then 30 days to investigate each written complaint sent from me to them. Each credit bureau has violated my rights as a consumer per the " FAIR CREDIT REPORTING ACT ''.

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