Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
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:
According to Fait Credit Act and Experians policy, its states : When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue.

Policy also states : If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. 

I have mailed in a letter to Experian, XXXX and XXXX on XX/XX/XXXX ( see attached documentation ) regarding the removal of the inaccurate information on my credit report from the following accounts : - XXXX XXXX XXXX  Account Number : XXXX - XXXX XXXX XXXX XXXX  Account Number : XXXX I still have not received a response. - XXXX XXXX  Account Number : XXXX When not receiving a response after 30 days, I reached out to the Consumer Financial Protection Bureau seeking help in resolving this issue with this credit reporting agency but unfortunately CFPB has not been making this experience any easier. My initial complaint ( XXXX ) has not been responded to and is still being worked on according to CFPB status. It has been over 30 days since the complaint has been submitted to CFPB and over 60 days since I have reached out to experian regarding the accounts that were submitted. On XX/XX/XXXX, I submitted a complaint ( XXXX ) with CFPB and I immediately received a response from EXPERIAN as to why my claim has been closed. YET, I still have not received a response from Experian, XXXX, XXXX or CFPB regarding my initial claim, ( XXXX ). 

According to Consumer Law and Fair Credit : - 15 U.S. CODE 1681S-2 supports the violation of reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency. 

- 15 U.S. CODE 1681 supports the removal of any inaccurate information on my credit report.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation AND for the accounts to be deleted immediately. 

Please see attached documentation. 

This is an injustice and a complete violation of my consumer law rights and I plan to take further action due to the negligence of constant attempts to resolve this matter. It absolutely should not take this long for a response and should be handled with professionalism instead of brushed off. There is no way I should receive a duplicate response to an account thats still being worked on faster than my initial submission

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