Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: GA
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 new and updated information regarding my consumer report. Pursuant to 15 USC 1681i, Experian is required to provide me with a description of its reinvestigation procedure and the reinvestigation is not to exceed 30 days. I request that the results be submitted the CFPB and not mailed to me. The description must include : ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 
... ... ..It has been over 30 days since my complaint XXXX was submitted and I have not received the reinvestigation results. Previous Complaint : I have previously disputed alleged accounts for XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX and Department of Education however, Experian alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Experian, XXXX nor any creditor can verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : 1. XXXX 2. Department of Education 3. XXXX XXXX 4. XXXX  XXXX Bank 5. XXXX 6. XXXX XXXX 7. XXXX XXXX 8. Department of EducationXXXX XXXX . Experian must edit the reporting for the XXXX XXXX Bank account and report as closed by consumer and adjust all late payments to show as paid on time/paid as agreed. Also report the balance as paid in full for the XXXX XXXX Bank account. I also confirming that the late payment reported by XXXX XXXX is inaccurate and must be deleted and reported as paid on time/paid as agreed.

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 non-monetary relief