Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: UT
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:
For over 18 months I have been demanding that Experian delete incorrect and incomplete information from the consumer profile concerning me. I have demanded that they provide me with a complete copy of the consumer file concerning me as required by Fair Credit Reporting Act 609 to include the names of employees of alleged creditors that they allegedly spoke with to verify and validate all the information. 

XXXX has found that none of the accounts that I've demanded deletion could be validated and therefore permanently deleted them as they were supposed to and which Experian is failing to do in opposition of the law. I am attaching proof that XXXX has deleted the information. The companies of some of the accounts do not even legally exist and therefore I can not make contact with them through the mail or by phone. 

Experian is defaming my character, falsifying information, re-aging accounts from companies that do not exist, causing business disparagement, and intentional infliction of emotional distress. 

I demand that Experian PERMANENTLY DELETE the following accounts immediately or pay me for my actual damages suffered by their failure to insure maximum possible accuracy of the information contained in the consumer profile and consumer reports concerning me : XXXX. XXXX - company does not exist. I have never done business with this company. 
XXXX. XXXX XXXX  - missing information, illegally re-aged, and changed from XXXX to XXXX XXXX, which one is it? Your information does not match XXXX XXXX and did not match XXXX, therefore, you couldn't have possibly investigated to conduct a lawful validation of debt. 
XXXX. XXXX XXXX  XXXX- this company does not exist. I have never done business with this company. Information on this account is different depending on the credit reporting agency which means Experian has not spoken to an actual person to validate the account 's accuracy. All information is not accurate. Impossible for a company that does not exist. 
4. INQUIRIES Experian is reporting an astronomical amount of inquiries that I have never authorized. Some companies have gained access to the consumer profile concerning me multiple time without my permission. I demand that all of these inquiries be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There seems to be integrity issues at Experian amongst those claiming to conduct investigation of disputes. I do not believe you're actually contacting the alleged creditors and data furnishers at all.

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