Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: CT
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:
There is a deliberate refusal with Experian and their investigation and reporting practices to correct information after being provided proof. I filed a complaint with my States Attorneys General due to not only thier lack of concern for the interest of the consumer but for their disregard of the law. In my last complaint they stated without evidence that there was 3rd party involvement in my complaint. There is no proof to support such statement nor was an investigation held much less contact with me. This is a deliberate attempt to circumvent their duties and responsibilities as required by law. I have provided a list of Items to be removed from my report in previous complaints and my score be reflected appropriately in a newly updated report. I am more than frustrated. How do they continue to get away with these gross violations of the law? Experian is in violation of several laws and as the reporting agency, they refuse to correct information after being provided proof. This is Defamation and willful injury. Experian failed to respond to your written disputes within 30 days FCRA Section 611 Part ( A ) ( 1 ) They reinserted a removed item from my credit report without notifying me in writing within 5 business days. of which I am protected and a consumer by the FCRA FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ) They attempted to Re-age my account by updating the date of last activity on my report FCRA Section 605 ( c ) Running of the reporting period I consider this activity abuse and nothing less.

FDCPA Section 806 Lastly since Experian claims that there is a 3rd party when there is not then I request them to furnish their process if investigation : This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct and delete these items from my credit report. 

XXXX XXXX XXXX, XXXX xxxxxx XXXX 15YRS 7MOSAge of Account XXXX XXXX| xxxxxxxxx XXXX 15YRS 7MOSAge of Account REMOVE FROM ACCOUNT!!!!!! 
XXXX XXXX XXXX  XXXX|XXXX REMOVE FROM ACCOUNT!!!!!! 
XXXX XXXX XXXX| XXXX 15YRS 6MOSAge of Account As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. 



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 explanation