Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: AL
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:
SO AFTER VIEWING MY CREDIT REPORT FROM XXXX AND DISPUTING SOME ITEMS OVER AND OVER AGAIN AND THE ITEMS ALWAYS COMING BACK AS " VERIFIED AS ACCURATE '' I DECIDED TO CONTACT THE DISPUTE DEPARTMENT OF XXXX AS WELL AS EXPERIAN. IMAGINE MY DISAPPOINTMENT WHEN I ASKED THE REP " WHAT EXACTLY IS THE INVESTIGATION PROCESS '' AND SHE REPLIES " WE DO NOT INVESTIGATE, WHEN A CONSUMER CONTACTS US ABOUT AN ACCOUNT ON THEIR FILE ALL WE DO IS PUT IT IN XXXX AND IF THE INFORMATION MATCHES AND THE CREDITOR SAYS IT NEEDS TO STAY ON YOUR ACCOUNT THEN THAT IS WHAT WE DO. SO AT THAT POINT THE FACT THAT I HAD TWO OTHER SOCIAL SECURITY NUMBERS ON M EXPERIAN ACCOUNT MADE SENSE BECAUSE THEY DO NOT CARE ALL THEY WANT IS MONEY AND WHATEVER AN FRAUDULENT CREDITOR WANTS TO PUT ON THE ACCOUNT IS FINE WITH THESE COMPANIES. SO WHILE TALKING TO THE REP FROM XXXX AND COMPLETLEY BEING SHOCKED I ASKED HER IF I COULD TALK TO A HIGHER UP DEPARTMENT AND I WAS TRANSFERRED TO THE EXECUTIVE CUSTOMER SERVICE DEPARTMENT WHERE A LADY NAMED XXXX CONFIRMED WHAT THIS LADY SAID. THERE IS NO INVESTIGATION. XXXX DOES ALL THE WORK WHICH EXPLAINS ALL THE INQUIRIES THAT HAVE BEEN ON MY XXXX REPORT. I CONTACTED THE ABOUT A LETTER THAT XXXX XXXX  SENT ME A WHILE AGO ABOUT A FRAUDLENT INQUIRY SAYING THAT THEY HAD SENT THE LETTER OUT TO XXXX AND EXPERIAN ASKING THEM TO REMOVE THE INQUIRY. THEY HAVE NOT REMOVED THAT ACCOUNT AT ALL. I HAVE DISPUTED XXXX, XXXX XXXX XXXX XXXX XXXX SO MANY TIMES AND WHEN I CONTACT XXXX AFTER THE " INVESTIGATION '' IS OVER AND AS THEM FOR INFORMATION SUCH AS WHO DID THEY CONTAT AND A NAMEAND ADDRESS AND POSSIBLY A PHONE NUMBER THEY REFUSE TO ANSWER THAT. NONE OF THE COMAPNIES LISTED ABOVE WILL VALIDATE THEIR DEBT WITH ME AND I HAVE CONTINUED TO MAKE CONTACT WITH THEM SEVERAL TIMES BUT THEY NSIST ON IGNORING ME. YET THE CREDIT BUREAUS SUCH AS XXXX CNTINUES TO UPDATE MY ACCOUNT AND ADD NEW ACCOUNTS. I DONT UNDERSTAND THE PURPOSE OF REGULATING THESE COMPANIES IF THEY ARE GOING TO CONTINUE TO PLAY BY THEIR OWN RULES. THE FDCPA GIVES ME THE RIGHT TO ASK FOR A VALIDATION OF DEBT. IT ALSO SAYS THAT ALL COLLECTION ACTIVITY MUST CEASE WHEN A DISPUTE IS GOING ON SO HOW CAN A CREDITOR VERIFY AN ACCOUNT AS ACCURATE IF IT IS IN DISPUTE. I M ASKING THE CFPB TO GET INVOLVED BECAUSE IT 'S ALWFUL THE WAY XXXX DOES IT CONSUMERS. GOD FORBID YOU ASK TO SPEAK TO A SUPERVISOR BECAUSE YOU WILL EITHER ASKED TO GIVE A CALL BACK NUMBER OR HAVE THE PHONE HUNG UP IN YOUR FACE AT XXXX. I HAVE UPLOADED INFORMATION AS WELL AS SENT IN LETTERS AND THIS CREDIT BUREAU HAS COMPLETLEY IGNORED ME AND I CONTINUE TO DISPUTE THIS INFORMATION! THE LAWS HAVE TO CHANGE FOR THESE BUREAUS ONCE AGAIN AND THERE CLEARLY NEEDS TO BE BETTER REGULATION BECAUSE THEY ARE NOT LISTENING OR EVEN INVESTIGATING THE MESS THAT THEY ARE PUTTING ON OUR CREDIT REPORTS. SOMEONE HAS TO STAND UP FOR THE CONSUMERS BECAUSE THESE BUREAUS ARE ALL ABOUT A PROFIT AND THEY ARE HURTING US AND OUR ABILITY TO LIVE.

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