Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2023, Experian received a Re-Investigation Letter from me ( letter attached ) asking for a re-investigation according to the Fair Credit Reporting act, 15 USC 1681i Procedure in case of disputed accuracy, for some accounts that are incomplete and inaccurate on my consumer report. Attached to my letter sent to Experian I added a copy of my drivers license, a copy of my utility bill and the last four of my social security number as proof of identity. Experian responded on XX/XX/2023, with a computer-generated email stating they would not be completing a re-investigation because they didnt think it was sent by me or authorized by me ( the email is attached ). I didnt receive a reason to why Experian didnt think it was me or what could be done for this to be fixed. According to 15 USC 1681i ( a ) ( 3 ) ( C ) I should have received : ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

I responded to Experian with another certified letter ( attached ) on XX/XX/2023, informing Experian of what is required under the Fair Credit Reporting Act and asked them to please contact me only by mail. I again attached the same documents, a copy of my drivers license, a copy of my utility bill and the last four digits of my social security number. Experian responded on XX/XX/2023, again with the same computer-generated email stating they would not be completing a re-investigation because they didnt think it was sent by me or authorized by me ( the email is attached ). 

My family is about to PCS ( Permanent Change of Station ) and we are trying to buy a house once we move. These errors are damaging my consumer report and Experian has committed so many violations with the inaccurate and incomplete accounts that are being reported and the violations for not completing my re-investigation. I attached a highlighted copy of an up-to-date copy of my consumer report. I would like the following accounts removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 We are pass the 30 days that Experian were required to complete a re-investigation and the 15-day grace period for any additional evidence. I would like these accounts removed immediately according to the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

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