Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: NV
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:
The company responded that they would correct my report, however this issue still exists today : Company responded Status Company responded on XX/XX/2020 Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachment. In your complaint, you indicated that there is an inaccurate name and an account listed as closed when the account is open. You are requesting the inaccurate information to be corrected. Our records indicated that the account mentioned in the complaint is appearing as an open active account. According to our records, the name mentioned does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. There is nothing a credit repair company can do for you, including removing inaccurate credit information, that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX, or visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is  our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 
DESCRIPTION OF NON-MONETARY RELIEF Our records indicated that the account mentioned in the complaint is appearing as an open active account. According to our records, the name mentioned does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. 
Feedback provided Status Feedback provided on XX/XX/2020 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS The company addressed my two issues, however, as of XX/XX/2020, I am reviewing my credit information on Experian Website and the account that I complained about - XXXX XXXX XXXX, shows a " closed '' status, with remarks " Account closed at Credit Grantor 's request '', so the company 's response is incorrect. I am beyond frustrated with XXXX XXXX XXXX  and all 3 credit Bureau 's. 
I understand the companys response to my complaint No ADDITIONAL COMMENTS The company addressed my two issues, however, as of XX/XX/2020, I am reviewing my credit information on Experian Website and the account that I complained about - XXXX XXXX XXXX, shows a " closed '' status, with remarks " Account closed at Credit Grantor 's request '', so the company 's response is incorrect. I am beyond frustrated with XXXX XXXX XXXX  and all 3 credit Bureau 's. 
The company did what they said they would do with my complaint No ADDITIONAL COMMENTS The company addressed my two issues, however, as of XX/XX/2020, I am reviewing my credit information on Experian Website and the account that I complained about - XXXX XXXX XXXX, shows a " closed '' status, with remarks " Account closed at Credit Grantor 's request '', so the company 's response is incorrect. I am beyond frustrated with XXXX XXXX XXXX  and all 3 credit Bureau 's.

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 non-monetary relief