Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: NC
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:
Greetings, Experian and XXXX did not adequately investigate negative items reporting on my credit report. There were several inconsistencies between the 3 bureaus XXXX, Experian and XXXX as well as within their own reports. 

My second ( XX/XX/2021 ) and third ( XX/XX/2021 ) dispute request with them was to have these constant and inconsistently reporting accounts removed/deleted from my credit report. I provided some of the information that was reporting inconsistent. The credit bureau ( did another 30 day investigation instead ) XXXXXXXX XXXX Their investigation results was that the credit reporting agencies where verifying the accounts and that all of the inconsistent information was verified. 

I sent proof to the bureaus of me writing one of the negative credit accounts on my credit report and that the address was reporting differently from that of each credit bureau and that my letter was returned back and that they were not accepting my calls, emails and so forth. The bureaus once again responded that the accounts were being adequately investigated and verified. 

I am not sure how the credit agency ( negative accounts ) were able to verify these accounts to the bureaus. It is against the law for them to speak with the credit bureaus during my personal investigation which by law I requested that they not speak with anyone. I received documentation that confirms they did not speak with anyone during the time the credit bureaus claimed that these negative accounts were verified by them. This is illegal a direct violation of my privacy. 

Finally, after my XXXX, dispute, XXXX found all of the inconsistencies and removed all 3 negative accounts. During my XXXX, dispute XXXX and Experian still is reporting these negative accounts. I have since been denied credit for a car. I am a Care Manager/Program Coordinator I need a car to work to live. This is the field that I work in and without the car I can not work. I have already been denied credit for a home as well a direct result of these negative accounts reporting on my credit report. 

These companies should not have had the opportunity to continuously make changes over several months. They had XXXX days to adequately verify the information they were reporting to the bureaus. It can not be verified if after the second 30 day investigation there are still inconsistencies. These accounts where not adequately investigated by the credit bureaus therefore they could not have been adequately verified which is LAW or else it must be deleted/removed according to the FCRA section 609 and section 611 This is not the law or fair for a consumer to be consistently denied credit especially when the reported information being used to evaluate the credit worthiness of an individual is false and with constant inconsistencies. 

I request again that Experian and XXXX would please remove all XXXX negatively reporting credit accounts XXXX, XXXX and XXXX from my credit report. I also ask that all the credit bureau 's increase my credit score as a result of these negative accounts being removed. 

( XXXX never changed my credit score at all after removing these same XXXX accounts. I was advised to speak with the CFPB about the score increase from XXXX. ) Please consider that when these XXXX accounts where reported that my score immediately went down therefore removing them should reflect a score increase as well. 

I was instructed to speak with the CFPB regarding this matter. 

Disputes/Investigations between XX/XX/2021 ~ XX/XX/2021. 

If you have any questions please see supporting documents attached and you may reach me at my email address which is attached in the documents. Thank you again!

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