Consumer complaint received 2024-01-12
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX under complaint # XXXX I filed a complaint against Experian credit reporting and its senior regulatory affairs associate, XXXX XXXX as to incorrect, false and misleading statements/ reports on my Experian credit report related to a creditor XXXX XXXX. Since then, company replied on XX/XX/XXXX to this agency that they couldnt investigate due to the possibility of a 3rd party possibility filing this complaint and wanted additional details as to my identity. This request just a delay tactic of Experian and its senior regulatory affairs associate, XXXX XXXX just to delay or bring transparency to my complaint. I refilled additional complaint with my identity credentials as to move forward and get the answers to my complaint. This additional complaint was filed on XX/XX/XXXX under complaint # XXXX. Experian replied to this new complaint on XX/XX/XXXX stating The company is still working on this and is in response as of XX/XX/XXXX. Although on this new complaint, which is directly related to the 1st complaint but now has additional identity information was submitted, Experian still has not responded or sent a response with articulating exactly how Experians regulatory affairs associate, XXXX XXXX 1st investigated my complaint with XXXX XXXX  creditor back in XX/XX/XXXX then XXXX and XX/XX/XXXX, suddenly appearing on my credit report. Experian, through their regulatory affairs associate, XXXX XXXX responded that she verified, confirmed and stated this XXXX XXXX  reporting was accurate. Only after filing a complaint with the XXXX  did XXXX XXXX in XXXX of XXXX wrote back to the XXXX  that this XXXX XXXX  do not presently appear on creditors Experian credit report. Again, with this new complaint for a explanation as to how Experian and its senior regulatory affairs associate XXXX stated she verified, confirmed and this XXXX XXXX  information and its related default and other poor information was correctly being reported, suddenly reported with the XXXX  that now XXXX XXXX information doesnt appear on my credit report. This was incompetent, false and inaccurate reporting and investigation by Experian and its regulatory affairs associate, XXXX XXXX. Filing this complaint on XX/XX/XXXX asking for a complete explanation, only for Experian to respond to the 1st complaint on XX/XX/XXXX with an excuse was unacceptable. Experian stated they cant further investigate this due to possible XXXX XXXX filing this report. This leads to the second complaint with additional information and my identification to now receive that explanation as to why experian can verify information on my credit report as verified but then suddenly just report with additional complaints with the XXXX  the disputed information doesnt presently exist is unacceptable and I want an explanation to XXXX incompetency and reason for such false and fraudulent investigation. To date, I still have not received a clarification explanation from XXXX XXXX as to her responsibility in this matter. Although this additional complaint can take up to 60 days, as stated in this pending complaint, Experian should not be allowed this time as they should be responsible to report within the 30 days due to original complaint back in XX/XX/XXXX. Experian, has already identified me through other complaints through their website and XXXX. This delay shows Experian is not being transparent and is just delaying a reasonable and legal solution and response to their actions

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