Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NM
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: Their investigation did not fix an error on your report

Complaint:
My credit report should HAVE BEEN changed in accordance with all applicable laws. 
I have two letters from the verify agency stating that the account is in dispute.

last letter received states : " Here 's what we've done : Immediately canceled your card. Your new card is on its way.

Opened a claim for the unauthorized activity. If we need additional information, we may send you a form to complete and return to us.

Temporarily credited the disputed amount. Youre not responsible for this amount while our review is underway. 
Notified the major credit bureaus. 
We have directed XXXX, XXXX, Experian, and XXXX to update their records with the new account information. " It should not take 60 days for any changes, especially when a dispute was filed using a copy of SAME letter DIFFERENT DATE. ( XX/XX/2023 ) I have continually requested XXXX, XXXX, EXPERIAN not share any information with the reporting company the information I provide is not used for the purpose submitted. 
I have asked FOR EACH COMPANIES own investigation and review the information I have submitted and provide me with a copy of THAT investigation. 
Any and all consent implied expressed written or otherwise has been revoked. NO ONE OR ENTITY HAS my consent to share documentation I have submitted REGARDLESS OF THE BUSINESS matter of course or any other reason. The credit reporting agencies all follow the same procedures in violation of my expressed and written revocation of consent to share submitted documentation. Each time the disputing company has not used the information for the purpose submitted. I have not received a copy of an investigation from the three credit bureaus that is independent of the 'verifying company '. 

XXXX XXXX  has evidence of not complying, Noncompliance as they certify that they have followed XXXX 's Experian & XXXX XXXX instructions and all applicable law ; Evidenced by the letters I have received from XXXX XXXX. As I have contacted syn bank and received the same or similar letter with a current date each time I contact XXXX XXXX. Evidence supporting two attached letters from syn bank. The statements in the attached letters have not been reflected in the three credit reporting agencies Experian, XXXX or XXXX, to include I have not received a new credit card. In fact, the account has been closed. The closing of the account is more evidence of the direct violations of the applicable laws committed by XXXX XXXX 

the three bureaus further violate applicable laws with statements, such as, 'request that they send a response to your dispute and update their records and systems, as necessary. ' -- -- this demonstrates complicity in the 'not used for purpose intended '. 

with every dispute and submission my documentation is sent to a company that updates records and systems to match my information submitted- Without my consent or my taking ownership of the disputed information - the three bureaus have all just ensured that the information reported matches name address and other personal identifiers as I have submitted- there is no truth, accuracy or fairness in reporting with no independent investigation. ( The completely automated service and investigations of the credit bureaus is proving to be useless and a Non benefit to consumers )

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