Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: PA
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:
I sent a second letter certified mail on XX/XX/XXXX requesting them to delete inaccurate information from my report. The letter stated the following. 

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX payment information is missing from this account/payment information incorrect/payments not reported/missing payments/gaps in payment history DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. payment information is missing from this account/payment information incorrect/payments not reported/missing payments/gaps in payment history DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. payment information is missing from this account/payment information incorrect/payments not reported/missing payments/gaps in payment history DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. payment information is missing from this account/payment information incorrect/payments not reported/missing payments/gaps in payment history DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. payment information is missing from this account/payment information incorrect/payments not reported/missing payments/gaps in payment history DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. payment information is missing from this account/payment information incorrect/payments not reported/missing payments/gaps in payment history DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

11. payment information is missing from this account/payment information incorrect/payments not reported/missing payments/gaps in payment history DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The information on this account is incorrect/payment information was not correctly reported/car was paid off in full XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

13. The folowing information is outdated/this account was paid in full XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

14. payment information missing/ gaps in payment history XXXXXXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below.

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