Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
EXPERIAN TAKE NOTE I HAVE FILED LEGAL ACTION IN A COURT OF LAW AND YOUR REGISTERED AGENT IS NOW BEING SERVED ON YOUR BEHALF FOR YOUR FAILURE TO INITIATE RE-INVESTIGATION AFTER BEING SUPPLIED WITH DOCUMENTATION IN SUPPORT OF MY CLAIMS, Also for your negligent and reckless reply to Complaint # XXXX. SO FOR THE 4TH TIME EXPERIAN IS NOT ADDRESSING THE COMPLAINT. THEIR REPLY IS THE COMPLAINT # XXXX saing that it was NOT SENT BY MYSELF. THERE IS NO BASIS FOR THEIR ASSUMPTION OTHER THAN THEY CAN NOT FACE THE FACTS IN THE COMPLAINT. THIS WILL BE THE 5TH AND FINAL TIME EXPERIAN HAS TO ADDRESS COMPLAINT AND THEN DELETE THE ACCOUNT IN QUESTION THAT THEY FAILED TO INVESTIGATE.THIS IS NOT A DISPUTE BUT A COMPLAINT ABOUT THEIR VIOLATION OF THE FCRA IN HANDLING A PREVIOUS MIALED IN DISPUTE. THIS IS THE 3rd TIME EXPERIAN REFUSES TO RESPOND TO THE SUBSTANCE OF MY PREVIOUS 3 CFPB COMPLAINTS. THEIR RESPONSES HAS ABSOLUTELY NOTHING TO WITH THE SUBSTANCE OF THE INITIAL AS WELL AS THE 2nd & 3rd & 4th COMPLAINT SO I WILL DO A FIFTH CFPB COMPLAINT FOR THE SAME MATTER ON THEIR VIOLATION EXPERIAN HAS THE AUDACITY TO SAY we reviewed and considered the information you have supplied through CFPB portal, your complaint regarding ypur reinvestigation does not appear to have been sent directly by you or to be authorized by you. So as a precautionary action we have not taken any action on the request. OF FCRA 611 ( A ) ( 1 ). This again is in response to Experians reply to my Complaint # XXXX ( on XXXX ) & ( Complaint # XXXX on XXXX ). Now my CFPB complaint # XXXX was in response to Experians reply to Complaint # XXXX, on XX/XX/XXXX. Both of my Complaints were addressing specifically, EXPERIANS VIOLATION OF THE FCRA SEC. 611 ( A ) ( 1 ) Experian committed the violation for failing to start an investigation that stemmed from NOT STARTING OR COMPLETING A INVESTIGATION IN 30 DAYS AFTER RECEIVING MY DISPUTE LETTER DATED XX/XX/XXXX. THIS DISPUTE WAS MAILED VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX AND SIGN AND RECEIVED BY EXPERIAN ON XX/XX/XXXX. In the 1st complaint I filed # ( XXXX ), 2nd CFPB Complaint # XXXX, and now a 3rd Complaint # XXXX, Experian replied and I quote Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request end quotes. On the Second complaint # XXXX where I replied to there response from # XXXX complaint by pointing out Experian not addressing the violation stated, then I repeated the substance of the initial complaint which was their failure to investigate a dispute letter with in 30 days. This dispute letter was certified mail # XXXX XXXX XXXX XXXX XXXX in which the signed and received it on XX/XX/XXXX, this is day one of the 30 days. There was no investigation or response during 30 days, which I can prove when I take legal action. Experian responded to the 3rd, 2nd, and 1st complaint is word for word identical on all 3 responses. Nothing in my CFPB complaint # XXXX and following complaints leads to any inclination that the complaint was not sent by myself. Everything I stated was factual and specific. This I know is a stall tactic use by EXPERIAN when they do not want to answer a complaint. All my CFPB complaints will be used in upcoming litigation and I'm sure any Judge presiding will not reach the same conclusion EXPERIAN did in regards to EXPERIAN 'S refusal to answer this CFPB complaint as required to so by the FTC. This also won't change the facts that the FCRA violations already occured on the 31st day of the XX/XX/XXXX dispute letters where EXPERIAN FAILED TO INVESTIGATE AND COMPLETE MY DISPUTES. So I will assure you, this CFPB portal is mines and I used my credentials and this account was verified as mines years ago by the CFPB This also can be proven in my upcoming litigation. CFPB has a complete history of my portal use and complaints. So I reject your baseless response to CFPB complaints Why is Experian telling me how to obtaining an Credit report and how to do a dispute. Nowhere in my1st, 2nd, or 3rd complaint did I ask them about obtaining a Credit Report and instructions on how to correspond to Experian. THIS WAS THEIR RESPONSE TO VIOLATION OF FCRA SEC. 611 ( A ) ( 1 )  IN CFPB # ( XXXX ). AGAIN FOR THE 3rdTIME, EXPERIAN DID NOT DISPUTE MY CLAIM OF THEM RECEIVING MY DIISPUTES LETTER AND FAILING TO INVESTIGATE THE ACCOUNTS IN QUESTION. AGAIN FOR THE 3RD TIME FOR THESE SPECIFIC VIOLATION, IVE ASK FOR IMMEDIATELY DELETION OF 1. PUBLIC RECORD 2. XXXX # XXXX 3. XXXX  XXXX XXXX # XXXX 4. XXXX XXXX XXXX 5. XXXX BUT SINCE EXPERIAN WILL NOT ANSWER THE SUBSTANCE OF THE PREVIOUSE 2 COMPLAINTS AND KEEPS TALKING ABOUT THINGS THAT HAVE NO BEARING ON THE FACT THAT EXPERIAN SIGNED AND RECEIVED MY COMPLAINT ON XX/XX/XXXX AND DID NO INVESTIGATION ON THE ACCOUNTS LISTED ABOVE. I WILL SERVE EXPERIANS REGISTERED AGENT WITH LEGAL ACTION. THE ONLY WAY TO STOP THE LEGAL PROCEEDING IS TO DELETE THESE NEGATIVE ACCOUNTS UPON RECEIVING THIS FINAL COMPLAINT WHICH WILL BE USED IN COURT TO SHOW EXPERIANS WILLFUL AND HARMFULL NEGLIGENCE. CFPB please take note I will upload documents again that Experian is in possession of so they have been in the know of the errors and inaccurate reporting. Experian please be caution of your response, to your violation of FCRA 611 ( A ) ( 1 ) under these violation all you can do is DELETE ACCOUNTS there is no other suitable outcome other than financial if we go to court.

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