Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
I noticed A LOT of improper errors on my credit report from all 3 bureaus so I filled a dispute against them and I chose to use certified mail to send in my dispute. Experian received my letters itemizing the errors that I found in their reporting, ( errors as blatantly wrong as {$0.00} highest account bal ... my name was wrong... Inquiries well over XXXX XXXX XXXX ... ) the list ended up being extensive and I asked them to verify their information. Experian sent me back an email at XXXX est, that read as follows : *************************************************************************************************** We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! 

PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. 

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners. 

************************************************************************************************ So Experian sent an email to my email address itemized in the letters i sent them and said that they dont think it was me and they were not going to honor it, even though they received the letters in certified mail on the XXXX of XXXX... I have spent ALL day trying to contact ANYONE at Experian and have only been put through a funnel to the same recording saying that it will not connect an agent. How is It possible that a person picked the dispute up from the post office on the XXXX and notified me that it was not me that sent in the dispute 3 days later, so who read it and made that determination. Apparently Experian just wants to throw it out rather then fix the errors that they are reporting that are costing me in higher rates, less credit, and the list could go on. I find it more than problematic that Experian can so easily dismiss my dispute, for example it takes maybe 5 minutes to notice my name is wrong ... .there are 4 Inquiries well over XXXX XXXX XXXX ... what about a high bal of {$0.00} on an account that says I owed {$600.00}, so perhaps Im not wrong in asking where did Experian validate ALL of their information on my credit file.

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