Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I began the process of formally investigating and disputing an item on my Experian credit report in approximately XX/XX/2018. The item I am specifically referring to is a XXXX account ending in account number XXXX. This account was simultaneously disputed directly with the creditor, reported to the XXXX, your organization ( CFBP ), FDIC, the Texas Attorney General, all due to fraudulent activity, violations of consumer rights and inaccurate credit reporting as well. There is a history of reported issues related to the validity of the XXXX account on my credit report, all of which are on record. Based upon the complaint filed with the CFPB ( complaint # XXXX ), on XX/XX/2018 XXXX  confirmed that they made several errors, payments were credited to the wrong accounts in errors and multiple accounts were opened and this caused reporting errors with the bureaus. XXXX  included in their response to the CFPB that they will correct the reporting on the account and send the information to the credit bureaus, however Experian did not correct the credit profile. 
I was saddened to learn on XX/XX/18 via Experian Report NumberXXXX that they somehow verified the disputed item, electing to leave it on my report, and Experian determined that based upon their investigation they deemed the information reported was indeed accurate and refused to remove the item from my credit profile. **I KNOW WITHOUT A DOUBT THAT THIS CREDIT BUREAU DID NOT FULLY INVESTIGATE THE ACCOUNT BECAUSE BASED UPON THE RESPONSE INCLUDED IN THE STATEMENT FROM XXXX  FROM THE CFBP COMPLAINT # XXXX ... .due to a delay in processing ... ..all credit marks on account XXXX have been reversed.. THE BURDEN OF PROOF LIES UPON THE CREDIT BUREAU AND THEY WERE UNABLE TO PROVE THE VALIDITY OF THE ACCOUNT. ** Since I am absolutely positive that there are several issues with the accuracy of the account that are indeed not correct on the credit file, on approximately XX/XX/2018 I requested that Experian provide me with the methods of verification they used to confirm the account is indeed reported accurately, and is indeed mine, exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I was very interested to learn how their investigator ( s ) arrived at this erroneous conclusion and requested to see a complete list of all documents and correspondence with the creditor, including include all names and contact information of employees that they spoke to at XXXX as part of this investigation. 
I was asking for this verification because my credit score is important to me, and has been unjustly degraded as a result of this unfortunate error. I requested that Experian please do not send me a template letter in response to this request. 

I let them know that I expected to receive a response within 15 days of receipt of the request on XX/XX/2018, or I would expect to see the item in question permanently expunged from my record. 

EXPERIAN DID NOT PROVIDE ME THE INFORMATION WITHIN THE TIMEFRAME ALLOTTED THEREFORE VIOLATING MY CONSUMER RIGHTS & I AM REQUESTING THAT THE ITEM BE REMOVED IMMEDIATELY.

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