Consumer complaint received 2019-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX, 2019 I submitted a dispute with XXXX and XXXX   regarding a public record inaccurately reported on my credit file. I never received the results of that dispute. 

After being denied a vehicle loan and unable to access any of my credit reports via online access, on XX/XX/2019 I contacted XXXX and XXXX by phone to gain access to my online credit reports and request the results of their respective investigations regarding the dispute related to the public record listed on my file. I stated repeatedly that I am requesting the procedure they used to investigate the data, including the name of the court they contacted to verify the record, the name of the person they spoke with to verify the record, the phone number of the person they spoke with, and the address of the courthouse where they verified the record. 

On XX/XX/2019 I called XXXX and XXXX again because I was still unable to access my credit file or dispute investigations online. When I called XXXX they told me I had been locked out of online access because I had answered identity questions incorrectly. XXXX said the same thing. I explained that never happened and that simply was not the case. I gave quite a bit of information to verify my identity with both creditors but was still denied any information pertaining to the dispute or requested follow up investigations. I submitted a request for investigation results to both agencies again, clarifying the information I expected to receive within 15 days as per the guidelines of the FCRA or that the item would be deleted from my credit report. I followed up with a letter detailing such and sent it to XXXX, Experian, and XXXX. 

I have not received any response from Experian, and to date, the only information I have been provided was that XXXX and XXXX  contacted the creditor and validated the information reported. 

This would be impossible, given that my own efforts to verify the information pertaining to the dispute resulted in an email from the listed court indicating that they dont verify any information with credit agencies or anyone else, and that they only verify the identity of the person filing the paperwork over the counter when a case is filed in person. Additionally, the court provided me a link of their website which clearly indicated that it was their policy not to confirm records with consumer reporting agencies and credit bureaus. 

I have since sent this documentation to each of the three credit bureaus and still have received no response and no additional information. XXXX wrote me a letter dated XX/XX/2019 indicating I had canceled my dispute when I had not. Additionally, XXXX sent me a separately addressed letter indicating that they had enclosed the credit report I had recently requested by mail. The funny thing is, I never made such requests. 

So here we are 20 days following my requests for investigation into my dispute nearly 3 months ago and still have not been provided any documentation pertaining to my request to all 3 credit bureaus with nothing resolved. The inaccurate listing still remains on my reports and has already caused financial harm in light of my recent search for new employment and denial of credit securing an auto loan at an affordable rate. 

It seems to be quite obvious that there shouldnt be a public record related to bankruptcy on my credit file had they bothered to even investigate as requested. There are zero past due accounts, collections, charge offs, or otherwise on my credit reports that would be indicative of a bankruptcy filing if the creditors ever bothered to validate the information they are reporting as accurate or cared about legalities. The address of the court theyve reported on my account for all 3 major credit bureaus isnt even listed correctly, so how can they claim to have investigated this matter and verified the information as accurate during my dispute process? 

It seems the only effort they made to verify the account was to consult the same 3rd party agency that reported the inaccuracy in the first place to affirm that the inaccuracy was transferred from one electronic system to another, rather than contact the actual creditor to verify any information.

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