Consumer complaint received 2019-02-02
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian keeps rejecting my disputes and falsely marking my complaints here as duplicates. They just did it again to another recent complaint and I am sick and tired of it. WHAT AM I SUPPOSED TO DO WHEN THEY REFUSE TO INVESTIGATE AND REFUSE TO DELETE ACCOUNTS THAT HAVE VIOLATIONS? Thanks to their illegal antics, I have been dealing with them for basically a year now of disputing because they've refused to do anything about accounts that have been -- and still are -- illegally reporting in my credit file. Each time a dispute has been requested, EXPERIAN NEVER INVESTIGATED and they NEVER REGARDED THE SHEER VIOLATIONS ON THE DISPUTED ACCOUNTS. This alone is a violation! In fact, I discovered based on the old " dates of status '' in my report and online ( when I log in to my account ) that they have not investigated the majority of the disputed accounts ALL OF XX/XX/XXXX & so far in XX/XX/XXXX when I've disputed! THIS IS A VIOLATION AND MEANS THAT THEY MUST DELETE ALL DISPUTED ACCOUNTS AND MUST UPDATE THE ACCOUNTS TO POSITIVE ( which I note in my attachment ). On top of that is the fact that 1 ) There's an account I have REPEATEDLY noted as reporting CONCURRENTLY AS " OPEN '' AND " CLOSED '' when it is in fact a closed account ; 2 ) There are a couple of RE-AGED ACCOUNTS ; 3 ) The XXXX accounts are all reporting as late in XX/XX/XXXX, but I WAS NEVER LATE in XX/XX/XXXX ; 4 )  Two collection accounts are reporting " past due '' when COLLECTIONS ARE NOT SUPPOSED TO REPORT A " PAST DUE ''. Moreover, Experian sneakily includes the " past due '' in the " status '' ; and 5 ) There  are lots of DIFFERENT, CONFLICTING DATES on many of the accounts! This is all FACTUAL INFORMATION THAT IS VERY CLEARLY REPORTING IN EXPERIAN 'S VERY DATABASE! Yet, they have repeatedly responded refusing to investigate or even pretending to investigate while actually doing nothing at all. In fact, one of the creditors ( XXXX  XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX ) of an account I'm disputing even said in a letter to me dated XX/XX/XXXX, " ... we do note that the customer has submitted multiple credit reporting disputes via XXXX ... ''. Experian has been using automated systems like XXXX   and 3rd parties to " verify '' info, TOTALLY DISREGARDING MY DISPUTES, which is a violation of consumer law! They pass investigation off to the creditors WITHOUT DOING THEIR OWN INVESTIGATIONS and WITHOUT GETTING PROOF FROM THEM! And, they do what they did recently ( as well as a time or two before ), which is to COMPLETELY REFUSE to do anything. All of these tactics are not only absolutely ridiculous, but they're DANGEROUS and NEGLIGENT! My credit file and my time are not a game to play with! Again, I've attached the disputed accounts in a document and have included my SS card and ID. PLEASE EXPEDITE THIS DISPUTE!

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 non-monetary relief