Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: PA
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:
Experian, for over 6 months refuses to investigate my credit report. I had initially reviewed and submitted a dispute over several items that do not belong to me. 

I had requested Experian to investigate this matter. 

1. To this day, Experian will either state they investigated my results and every item comes back " verified '' or not at all. They refuse to allow me to dispute via phone and online. I have submitted documentation as to why the information is inaccurate to the bureau and nothing had been done. Experian refuses to comply with FCRA 611/1681 section CONSIDERATION OF CONSUMER INFORMATION. The CRA shall review and consider ALL relevant information submitted by the consumer. 
a. I have submitted via registered mail ( attached ), notarized documents proving correct and only name variation, correct and accurate mailing address, documentation of furnishers responses to dispute, validation of debts and questionable accounts open under installment loans with {$0.00} balance, and requests for accurate reporting and method of verification per law! Experian now refuses to consider my information despite proof by blocking my reinvestigations into erroneous and inaccurate information from online and phone formats. 

2. I have wrote and requested for Experian to provide me with A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE RE-INVESTIGATION almost a dozen times and from XXXX until now, they never investigated my concerns. ( SEE ATTACHED MAILED ATTEMPTS ) 3. I have sent ( SEE ATTACHED ) A copy of XXXX for example. XXXX clearly mark whom the source of information was reported, and if not 100 % accurate or " MIXED '' results/information reporting they follow law 611 and delete the tradeline. 

4. Experian repeatedly refuses to comply and delete the inaccurate information ( Name and Address ) a. Experian refuses to delete wrong/incorrect/not mine names and alias and addresses even after receiving valid forms of United States government ID, utility notices, and verification of correct names. Notarized documents we sent via certified trackable mail with return receipt. 
b. EXPERIAN ACKNOWLEDGES MY CURRENT ADDRESS AS INDICATED ON RECENT CREDIT REPORTS. One of my initial disputes on XX/XX/18 ( SEE ATTACHED ) indicates Address ID XXXX, XXXX XXXX XXXX. When I asked Experian to please remove as that address is not mine, they stated it is " tied '' to the tradeline. I have individually even sent each supposed debt a name and address update. Experian on a more recent report XX/XX/18 indicates Address ID XXXX, that of my correct address, but will not remove other false address ' and this applies to my name as well on my report. 

I have attached an earlier report dated XX/XX/18. I have numbered each item of concern. I have also attached a more recent report from Experian dated XX/XX/18. I, as well numbered each item to match the XX/XX/18 report. 
EXPERIAN DID NOT CHANGE ONE THING ON MY REPORT. COUNTLESS LETTERS STATING THEY WOULD INVESTIGATE, THEY PRINTED ME THE SAME COPY OVER AND OVER. Experian did not take any uploads and mailed documents into consideration. Experian will not inform me where they received their information from, only to state from the original creditors. 

I have documented, and have tried repeatedly to have someone at Experian assist me, and an investigation was never done to this day, items have not changed since XXXX or have been deleted, they will block my phone and email attempts, and lastly nothing has been deleted. Bankruptcy was deleted from other reporting agency due to MIXED results states JOINT, {$0.00}, and discharge date indiscrepancies. not 100 % Experian is not following the law. Experian wont even investigate a consumer 's report at request. XXXX, is not a valid source of verification on re-investigation ( see XXXX attached, they have since deleted the bankruptcy along with XXXX  )

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