Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: TN
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:
On date XX/XX/2022 i written up a letter to Experian, XXXX and XXXX about some fraudulent items i found in my credit report. I sent those letters certified mail and they were delivered to the credit bureaus on XX/XX/2022. In the letter i stated that i wanted validation of the accounts and asked for them to provide me with the following information : Pay off Disclosure, Interest Rate Disclosure, Balance History, Payment History, Credit Insurance, How the information was verified, and Include verification of the contract with my WET SIGNATURE. I also stated in my letter that i wanted all the requested information to be send back to my home address that i have provided for them. I am aware under federal law that i have to give them 30 days to investigate and for them to provide me with the validation i requested, if they do not do so i have rights for the fraudulent items to be removed from my credit report. On XX/XX/2022 XXXX sent me a letter only stating that they needed to verify my information because i indicated fraudulent items on my credit report. I called XXXX on XX/XX/2022 and spoke to a representative named XXXX and she was able to verify my information and provided me with a confirmation number. She also told me that my dispute with them was started XX/XX/2022. On XX/XX/2022 XXXX completed the dispute and only provided me with a credit report of only updated information saying verified accounts and provided me nothing of the information i requested from them to validate my accounts. Now with Experian my same letter of validation was delivered to Experian XX/XX/2022, they emailed me XX/XX/2022 of only my credit report stating only updated information to the fraudulent accounts and completed my case and provided me with none of the information i requested from them as well. With XXXX i also sent them a validation letter for the fraudulent accounts and was delivered XX/XX/2022, they responded with a letter on XX/XX/2022 with only information about their investigation procedure, what i can do, and what more i can do to protect my info. Then on XX/XX/2022, they sent me a letter basically stating that the investigation was complete and only sent me investigation results stating they updated the information on the accounts and only stated that my accounts were verified. They provided me none of the information i requested in my validation letter and closed my case. I have put credit freezes on my credit and also activated identity theft on my credit and filed an identity theft report. I dont know what else i have to do to get them to remove or complete a proper validation of the accounts with information i requested from the bureaus. All the credit bureaus responded saying either the accounts were verified or they updated information and thats not what i requested from them in my letters. At this point i am very upset that the credit bureaus could not validate those fraudulent accounts properly as i requested and continue to report it on my credit and i was them removed ASAP.

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