Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: FL
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:
CFPB, Experian, XXXX, XXXX XXXX Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the black marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. Unverifiable information : I'm getting really frustrated with this situation. This letter is formal notice that they have failed to respond to my dispute letter of [ XX/XX/XXXX ] within 30 days. These accounts claim they have validated the accounts but how??? I never received anything saying I actually owe something. All I get are quick responses. Like : XXXX An itemized statement has been requested from our client and will be mailed to you along with verification of debt. 

I received nothing to have proof of any type of validation??? 

XXXX Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days.

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. ONLINE INFORMATION SERVICES-DELETED But it still shows up on my accounts???? 

and XXXX XXXX GA Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$1300.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX I have asked for a validation as well and I have never received anything. 

XXXX Never received any type of mail from them. 

Hard Inquiries : I have never seen these accounts before : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Sorry I hope this all makes since I trying to write you and deal with XXXX children under XXXX. Nothing on my report has been validated from these collections. So I don't understand why they keep saying they have validation??? I am trying to live the American Dream and Buy a home and a safe vehicle for my children to ride in but I can't because of these companies think people 's lives are jokes.

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