Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: NV
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:
Experian continues to validate information that has been removed from my credit report. I have sent Experian the last of the documents that I intend to send them. They continue to act in the same way that was outlined in your CRA report released on XX/XX/2022. 

The data furnishers in question also have violated my rights in regards to continuing to verify and report information that at one time before I initiated my disputes noted that the accounts were closed with {$0.00} balances and in good standing. 

I have no choice but to notify the CFPB of the results of the Experian disputes I have filed in XXXX and XXXX, because as noted, Experian has also flouted the CFPB in providing the responses given to consumers in regards to disputes. 

I ask that the CFPB compel Experian the noted data furnishers under the FCRA Sec. 611 ( a ) and 611 ( e ) to explain and release all documents pertaining to the process in relating to the verification and validation of the noted disputes. If Experian and the noted data furnishers refuse to provide this information, I ask that the CFPB once again compel Experian to comply with the law, for violations of the CFPB in regards to " Failure to Reappear '' of the noted data furnishers. 

It should also be noted that the data furnishers are known PREDATORY LENDERS and the legal documentation and personal information I have produced and provided to Experian and the data furnishers via mail - have still been returned via online - while my letters and mailings EXPLICITLY requested all correspondence regarding this issue be produced via US postal mail only. 

As of the RESPONSE by Experian as of XX/XX/2022 - is misleading and it is more of the same BOILERPLATE that asserts that information sent by me as supporting documentation- is not sufficient or missing items. This is false. It is also noted in your report filed on XX/XX/2022 - that Experian takes these actions. 

I have copies of the items sent as requested by EXPERIAN on several of their boilerplate responses. Furthermore, EXPERIAN purports, that an FTC Report # XXXX and XXXX -are INVALID because they were not filed with " a Law Enforcement Agency ''. This is the actual words of EXPERIAN- stating that the FTC is not a law enforcement agency! I have also filed my dispute and complaints with the Attorney General of Nevada, my state of residence. 

At this point I have exhausted all non-litigation remedies regarding this issue with Experian, and the noted predatory data furnishers. While I may have an ongoing complaint with the CFPB regarding the actions of Experian- I feel I must continue to UPDATE the CFPB with the documentation provided to me by Experian as their response to my disputes. 

This is my final complaint with the CFPB regarding this issue. Further action if this matter is not resolved to my satisfaction, will increase in intensity and protection and may cause damages to the parties involved in their continued credit harassment and unscrupulous reporting. 

I ask that the CFPB not allow Experian to close this complaint without cause. They must tell the CFPB how they have arrived at their findings and give a full detail of why they have responded in the EXACT SAME BOILERPLATE manner - for the same issue - for over 20+ CFPB disputes filed by me. 

Thank you. 

XXXX XXXX XXXX - 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 explanation