Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: GA
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:
Awhile back I had an issue with some of my personal information being compromised. I learned that that information came from XXXX so I inquired with them about the data they had and were sharing. They explained to me that I could " Freeze '' my file and prevent anyone from getting my information so, I decided to freeze it and that was on in XXXX of last year. I also decided to check my credit reports to make sure there was no fraudulent activity with my credit. I did find some outdated information but nothing related to fraud. However what I did notice was that I had a bankruptcy that was reporting different dates, case numbers, all completely different on all three credit reporting agencies. I then wrote a letter to all three credit reporting agencies asking them to verify and correct the inaccurate information in XXXX of this year. XXXX  and XXXX XXXX never responded however Experian did and said they verified the Bankruptcy information with XXXX and to contact them, which I did. When I contacted XXXX and asked them if they verified information with the credit reporting agencies they said, not on my file because I had placed a security freeze on my files back in XXXX. They said nobody verified anything. So I then sent a letter back to Experian in XXXX to let them know that I did contact XXXX and they denied any verification with Experian. I also asked Experian why would they lie and tell me they verified this information when XXXX said it was impossible because of the security freeze. I asked Experian to investigate and correct the information. A week ago, I get the same exact letter back from Experian, basically a cookie cutter letter as last time stating that XXXX " certified '' to Experian that the information is accurate. Again I called XXXX and asked them if they certified to Experian that the information about my Bankruptcy was accurate and they told me NO, that I had a security freeze on my XXXX file and that Experian could not access that information or could verify anything. Furthermore they had no record of Experian requesting the information from XXXX. So it appears that Experian is sending out information that is untrue, they are not doing any investigations are attempting to correct the inaccurate information on my credit report. Instead they are sending out cookie cutter letters stating false information and blatantly lying to consumers. Obviously this is frustrating and before filing this complaint, I read that it's against the law for Experian, or any of the credit reporting agencies to do this. The Fair Credit Reporting Act states that the information on a consumers credit report must be 100 % accurate, complete and verifiable and they have to respond to a request for correction within 30-45 days. To date, I have not received any response from XXXX  or XXXX XXXX and have sent them each a letter asking them why they did not respond within 45 days. I've decided to file this complaint against Experian for violating my rights, sending me false information, not correcting my information my credit report, and continuing to be dishonest and using another company as a scapegoat.

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