Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: NC
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/2022, I received my credit report and noticed that there was multiple inconsistencies reporting on this report. I then sent a reinvestigation letter to Experian, XXXX and XXXX requesting that a thorough investigation be conducted regarding the inconsistent and inaccurate information unjustly being reported within my credit profile. The following accounts was called into question ; 1. XXXX XXXX  : Account # XXXX 2. XXXX  XXXX : Account # XXXX 3. XXXX  XXXX XXXX : Account # XXXX 4. XXXX XXXX : Account # XXXX 5. XXXX XXXX : Account # XXXX 6. XXXX XXXX : Account # XXXX and/or XXXX XXXX 7. XXXX XXXX : Account # XXXX and/or XXXX 8. XXXX XXXX : Account # XXXX and/or XXXX 9. XXXX XXXX : Account # XXXX and/or XXXX 10. XXXX XXXX : Account # XXXX and/or XXXX 11. XXXX XXXX : Account # XXXX and/or XXXX 12. XXXX XXXX : Account # XXXX and/or XXXX 13. XXXX XXXX : Account # XXXX 14. XXXX XXXX : Account # XXXX and/or XXXX 15. XXXX XXXX : Account # XXXX and/or XXXX 16. XXXX XXXX XXXX XXXX XXXXXXXX 17. XXXX  : XXXX 18. XXXX  : XXXX I waited fifth teen days to see if my credit report was updated to reflect an investigation. This was absent. I then awaited the complete thirty ( XXXX ) day to receive a response. Experian still did not follow the law and respond. 

Relative to this submission, I highlighted that the above accounts failed to show XXXX percent accuracy across the board with all three credit bureaus. See : Exhibits from Credit report. 
XXXX removed some of the accounts. XXXX and Experian failed to throughly investigate the claims and respect my constitutional rights to the concrete law of FCRA. 

In relation to several accounts being opened past XXXX ( XXXX ) years, the closed accounts wasnt matching XXXX XXXX, derogatory accounts didnt match, payment history didnt match, dates of open accounts didnt match, amid more. See : Exhibits from Credit report. 

However, Experian chose to ignore my constitutional rights by failing to provide me with timely correspondence demonstrating that a thorough and complete investigation was conducted. 

* This entity failed to address and/or update my credit profile to ensure that my constitutional rights to a fair credit assessment was duly protected. 

* This credit bureau failed to document and enlighten me that an investigation was being duly conducted. 

* This credit bureau further failed to correct this inaccurate report. 

In light of the above, I charge that the entity of Experian and the staff associated with this company deliberately violated a multitude of my constitutional rights and shall be duly held accountable for such transgressive actions. The following violations are : 15 U.S. code 1681 ( d ) ( a ) ( 1 ) ; 15 U.S. code 1681 e ( b ) ; 15 U.S. code 1681 i ; 15 U.S. code 1681 i ( 2 ) ( A ) ; 15 U.S. code 1681 i ( 4 ) ; 15 U.S. code 1681 i ( 5 ) ( A ) ( i ) ; 15 U.S. code 1681 i ( 6 ) ( i ) ; 15 U.S. code 1681 i ( 6 ) ( iii ) ; 15 U.S. code 1681 i ( 6 ) ( iv ) ; 15 U.S. code 1681 i ( 6 ) ( v ) ; 15 U.S. code 1681 i ( 7 ).

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