Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To the Experian Team, This letter represents my final effort to resolve these issues amicably before I proceed with legal action. I have already initiated legal proceedings with the assistance of my attorney, XXXX XXXX XXXX, from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, available at ( XXXX ) XXXX. This communication is intended to provide further undeniable evidence of Experian 's non-compliance and infringement of my rights. 

I am writing to convey my profound disappointment and serious concerns regarding the handling of my disputes, specifically related to the XXXX account with Reference XXXX XXXXXXXX and the XXXX XXXX account with Reference XXXX XXXXXXXX. The consistent dismissal of the legitimacy of my disputes and the apparent use of delaying tactics by Experian are deeply troubling. The recent skepticism expressed by your team about the submission of my disputes only further demonstrates a dismissive approach. I have diligently provided all necessary identification, including my Social Security number, ID, and a utility bill for address verification. It is both unjust and unreasonable for Experian to disregard these evident facts. 

I possess undeniable proof of my dispute submissions. The dispute letters were sent via certified mail, traceable with the number : XXXX. The USPS tracking indicates that the item was picked up at a postal facility on XX/XX/2023, at XXXXXXXX XXXX in XXXX, TX XXXX, confirming delivery to your facility. Additionally, I will attach the email from Experian, perceived as a stall tactic, to ensure the Consumer Financial Protection Bureau ( CFPB ) is fully informed about how my case is being handled. I will also include the previously sent letters, comprising the dispute letters that were overlooked, to aid Experian in thoroughly reviewing and processing my disputes related to the XXXX and XXXX XXXX accounts. 

My demands for resolution are clear and urgent : I insist on the immediate removal of the disputed accounts the XXXX account with Reference XXXX XXXXXXXX and the XXXX XXXX account with Reference XXXX XXXX from my credit report, as they do not comply with Metro2 reporting standards. I respectfully yet firmly urge Experian to : Acknowledge the receipt of my dispute letters, corroborated by the provided tracking information. 
Cease employing delay tactics and address the concerns I've raised promptly and equitably. 
Remove the disputed XXXX and XXXX XXXX accounts from my credit report as a definitive resolution. 
Failure to adequately address these issues will compel me to escalate this matter further. I implore you to uphold my rights as a consumer and give priority to resolving this matter. 

Thank you for your prompt attention to this significant issue. 

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