Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Year ago I got denied an employment with the XXXX XXXX  XXXX XXXX XXXX because of the charge-offs and collections showing on my Experian report. I didn't know abouut that, so immediately I started to fix that. When I got the report, I saw lots of mistakes, wrong information, that don't belong to me. I don't know how to classify it, is it a comupter error, human error, mixed files or identity theft. So, I started researching, how to fix this, pay where I legally owe and what are my rights. 

On XXXX I sent Dispute Letter to Experian, requesting for reinvestigation of information and accounts that do not belong to me, they and have errors. 
On XXXX, the same day, I also sent dispute letter to XXXX XXXX card for account that does not belong to me. 
On XXXX Experian sent me the results, among them and XXXX XXXX card, that they verified it and belongs to me. 
On XXXX, that's 2 days later, XXXX XXXX sent me a letter to let me know that they would need more time to investigate about this account. 
How is this possible that Experian verified, but 2 days later the furnisher tells me they need more time? 
On XXXX I sent 2nd letter to Experian for reinvestigation about the accounts they verified, among them XXXX XXXX again.I requested upon completion of their reinvestigation, to send me a detailed description of the procedures used to determine the accuracy of the accounts I am disputing, as well as the name and contact information of the agent conducting the said reinvestigation in case further communication is necessary. 
On XXXX Experian sent me the results, that they verified XXXX XXXX and it belongs to me. No procedures included, no names. 
On XXXX I sent a letter to Experian asking just to provide me description of reinvestigation procedures that they did the previous times, thats on Section 611 ( a ) ( 7 ) : ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

On XXXX Experian sends me a letter saying : Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not reinvestigate the same dispute again at this time. 
Basically they classified my letter as frivolous or irrelevant. Their response does not relate for what I asked for. I understand offense is best defense. That is because they didnot perfom any reinvestigation from the very beggining. As I said, Experian and XXXX XXXX, they both receive my dispute letters at the same time. First answered me Experian that they verified it belongs to me, but a day later, XXXX XXXX contacts me saying they need more time. And then when I asked Experian to provide the description of reinvestigation procedures, they attack me, because they did not verify anything from my dispute letters. Attached are the documents how things went with Experian, and XXXX XXXX Please direct Experian to promptly remove the unverified items from my credit report. 
Thank you

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