Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: TX
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:
I submitted 3 complaints, one with each of the 3 main credit reporting agencies. As of the day of this complaint 2 still show as " under investigation '' several weeks in but only a day and a half later Experian decided the investigation was over. How it's possible for that to be the case when it's incorrect is beyond me. I've provided a paper trail beginning XX/XX/XXXX when I very first mentioned that I never received a product in the mail that was to be shipped to me. I specifically told them this and mentioned id contact the police if needed to file a report. I took the initiative not them. I then filed said report because I never heard back and being mail related I knew it was time sensitive. I can tell you with that being the case this company still hasn't even completed their investigation. So how Experian is able to close it out and not remove it as instructed is beyond frustrating. How either of the companies is able to use illegal because in reality I'm correct but for whatever reason, that being that they took so long ,3 months and going, that now they can't file with their insurance to just write it off so because of their lack of prioritizing their workload I am now having to take the front of it on my credit to reflect as if I've spent money that I have not spent which is affecting me currently as I'm trying to purchase a car so this expects me more than most people at the very moment. It's going to end up costing me thousands of dollars down the road in interest. That's not fair and it's illegal. The company has even shown to me as I told them I never signed for any package and was told signatures would be required and I had two packages coming I never saw either delivery person never sign for a single package and I received one of the two packages. I specifically asked to see the signatures that are due for either box and they sent me one and of course it was for the one that hasn't shown up and laughably is a straight line across the signature paper and they said that that was my signature. They have my ID which has my signature on the bottom. I even signed a document on the spot screenshot it and send it to them for comparison and then ask for the signature on both boxes for a comparison because like I said I didn't sign either one so if the second one that I got is signed for surely it resembles my signature according to them. The funny thing is I've get to see this second signature for the second box and I've asked for the comparison for weeks. It's not that hard. Like I said this is all because they have now taken so long they're beyond their period of claiming this on their insurance and I am 100 % positive about that but that is not my issue as I literally told them day one that this happened. But they've continued to debt for my account and report this to my credit so not only is it costing me in credit and in interest to the tune of several thousand dollars at the end of the day they're also taking money out of my account right now that is not due to them. This should not be showing up on any of my credit reports The only reason I have not said anything about the other two is because they're still under investigation and I will let them do whatever they need to do and give them the time that they need but for experian to go speak to them and the very next day say it's over is beyond ridiculous. I need this removed my account immediately This is not fair and it is 100 % illegal. In fact to this day I'm still getting emails from them trying to ask me questions about it because they still have not finished their investigation I will gladly provide any evidence that's needed and show that they're still asking me about it so how can it possibly be closed with Experian? 
Also included will be the email that I just opened up after writing this that literally shows today in XXXX them admitting 100 % that I did not receive this product thus it should have never been reported on there as I said since XX/XX/XXXX. They're trying to push a product on me after the fact and say that they're going to send it to me and I'll still be due for it but that's not going to be the case because I don't want this I don't want anything from them I don't want anything to do with this company. Not when they're going to lie and take for me for 3 months knowing that I didn't receive this product because every bit of information they have for their investigation into if I had this or not they've had since day one. That's on them not on me.

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