Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Ive received a copy of my credit report and I noticed that account XXXX XXXX XXXX  ( Original Cre : XXXX XXXX XXXX XXXX has been added back to my report as XXXX XXXX XXXX  ( Acct. # XXXX ). I disputed the inaccuracy of this old account on XX/XX/XXXX and they removed it from my XXXX report. It was placed back on my XXXX report as well as my Experian report which really confused and blew me. The Consent Agreements ' language on preventing reinsertion was incorporated and expanded upon in the XXXX Amendments to the FCRA. Under Sect. 1681 ( a ) ( 5 ) ( B ), information CAN NOT be reinserted unless it is " certified '' as complete and accurate by the furnisher. Moreover, a CRA, five business days prior to any reinsertion, must notify the consumer, and also provide the name and address of the furnisher and inform him or her of his right to add a statement. I have not received such letter. 
On XX/XX/XXXX, I sent XXXX and Experian a letter through certified mail stating that this illegally reported account has to be deleted from my report immediately as this not only a violation of the law, but a violation of my rights. 
Experian Tracking Number : XXXX XXXX Tracking Number : XXXX I also requested that they send me an updated copy of my credit report upon completion as well as proof validating that this is my debt. I requested that they shoe me the ORIGINAL contract of this debt with my WET signature. I requested that they show me the billing AND payment history of this debt. I requested that they show me the proof of ownership and the right to collect on it. I stated that if ALL of this action is not taken within 30 days, I will forward this over to the FTC as well as the CFPB and go to my Attorney General. It has been 30 days, they have sent NOTHING in the mailbox of XXXX XXXX XXXX XXXX, XXXX, IL, XXXX, XXXX, my primary mailing address as listed in the two credit reports. On XX/XX/XXXX, I logged into my XXXX account to see that my investigation was completed with a remark Account previously in dispute-now resolved. reported by credit grant ; >PLACED FOR COLLECTION<. The very next day, on XX/XX/XXXX ( today ), I gave XXXX a call. XXXX gave me the run-around for over an hour. 
In the last 20 minutes being on the phone with them, I talked to a supervisor and in the end of those minutes, she completely stopped talking as if her signal cut out. There was nothing wrong with neither her signal nor my signal. Before she stopped talking, she stated that the dispute was automatically verified. Regardless, I wasnt notified through mail within 30 days. Im aware that credit dispute investigations involve the furnisher comparing the information in their computers to what is reported in my credit file. However, 9 times out of 10, credit bureaus like XXXX and Experian will accept anything the furnisher/collection agency tells them. This illegal act is known parroting, as they are simply repeating what the collection agency said, and NOT doing an actual, thorough investigation providing what I requested from the first letter. They used the e-OSCAR system, a system that allows efficient processing of a majority of your customers disputesonly for their benefitbut highly inefficient such that it fails to capture critical details of them, as in my case. They intentionally go this route and even put stalling remarks like Account information disputed by consumer, meets FCRA requirements on XXXX XXXX to drag out the time it takes to fix the error on the consumers credit report. Additionally, the supporting documents are NOT transferred in my AUD, so the important information does NOT follow my dispute through the investigation process. They are violating the FCRA and the LAW. They are REQUIRED to uphold my legal rights. 
When trying to call Experian 9 different times, I couldnt get through. They intentionally set up their automated system in a way that you cant talk to a real person, no matter what options you are forced to choose. I somehow managed to get through on the very last attempt, and during that attempt, a woman pulled the same card on me that the supervisor from XXXX did. I was talking loud and clearly and in the middle of the conversation, she ACTED as if I wasnt saying anything at all. Luckily, the calls are recorded. 
I am now doing as I stated and also taking them to court for violating the law. Effective immediately.

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