Consumer complaint received 2017-12-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I GOT THIS BOGUS RESPONSE FROM EXPERIAN! 

Thank you for submitting your complaint on XXXX XXXX, XXXX, 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. In your complaint, you indicate that you have disputes with nine accounts on your credit report. You stated that the accounts are reporting inaccurate information or do not belong to you. You further stated that the method of verification used by Experian is not sufficient to correctly process your disputes. You also explained that one or more data furnishers have confirmed that they are providing correct information but that Experian is placing the inaccuracies on your report. You would like the disputed accounts and late payments removed from your report. At your request to begin an investigation of the named accounts, we contacted the data furnisher ( s ) and/or public record vendor ( s ) for the items in question and conveyed your disputes. The items are listed in the order in which they appear in your CFPB complaint. The first item was verified as accurate by the data furnisher The second item was verified as accurate by the data furnisher. Since then, the item has been deleted and no longer appears on your credit report. The third item was verified as accurate by the data furnisher The fourth item was verified as accurate by the data furnisher The fifth item was verified as accurate by the data furnisher The sixth item was verified as accurate by the data furnisher The seventh item was verified as accurate by the data furnisher The eighth item was verified as accurate by the data furnisher The ninth item was verified as accurate by the data furnisher An updated credit report was forwarded to you on XXXX XXXX, XXXX. Please allow up to ten days for delivery via XXXX. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a XXXX-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. According to the Fair Credit Reporting Act ( FCRA ), a  national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. 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. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. 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. 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.

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