Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
1 ) I have reached out to XXXX XXXX in writing on 2 separate occasions requesting verification / validation of an account that is currently on my credit report. Once on XX/XX/XXXX and again on XX/XX/XXXX. On both occasions, XXXX ignored my request for verification. The letters were mailed return receipt/c certified mail and were indeed received by XXXX. 

2 ) I opened several disputes with Experian for the XXXX XXXX account. To date there have been 5 disputes in total. XX/XX/XXXX XXXX verified as accurate information with Experian despite ignoring my request for verification of the account, then again the same outcome with dispute filed with Experian on XX/XX/XXXX. 

3 ) I again wrote to XXXX and mailed the request for verification/ validation of account via return receipt and certified mail and XXXX did indeed receive request. The 2nd request for verification went ignored by XXXX. I opened a 3rd dispute with Experian on XX/XX/XXXX, and it was again updated on my credit report as XXXX again reported the derogatory account as accurate to Experian, despite XXXX ignoring my request for Verification a second time. 

4 ) I opened a 4tXXXX dispute on XX/XX/XXXX, which was closed on the same day as reported as accurate by XXXX. This investigation lasted less than 1 hour. 
5 ) I contacted Experian and requested that this dispute be reopened immediately as I would be mailing supporting documentation to Experian showing my request for validation of the account and XXXX 's failure to respond on 2 separate request for verification of debt. The dispute was reopened as of XX/XX/XXXX and Experian did indeed receive the supporting documentation for the dispute and on XX/XX/XXXX, despite me submitting to Experian, my ignored request for Validation of Debt, the account was again updated by Experian and XXXX again reported it as accurate information. 

6 ) I opened the 5tXXXX dispute today XX/XX/XXXX, and within 2 hours, the investigation was closed and reported as accurate information from XXXX. 

Despite providing Experian with proof of XXXX 's violation of Fair credit reporting and fair debt collection laws, by ignoring my request for verification of debt, they have refused to take corrective action with the account and remove it from my credit profile. 

Today, i spoke with a representative at Experian and was informed that they did indeed receive the supporting documentation. I asked that the call be escalated to a supervisor and denied the opportunity for that to occur, instead, I was transferred to the mixed file department as the representative stated that they were handling the investigation ( which is closed already ). The representative in the mixed file department again refused to allow me to speak with a supervisor. 

The issue has not been resolved and the dispute that I opened today XX/XX/XXXX was closed within 1 hour of being opened. 

As a consumer, I have a right to request verification of debt from any merchant that places an item on my credit profile. 

XXXX has violated several laws that protect consumers and Experian has worked in conjunction with and in favor of XXXX despite these illegal practices and despite providing them with proof of my request for verification. 

Experian needs to take corrective action immediately and remove this item from my credit report.

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