Consumer complaint received 2020-09-08
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: Their investigation did not fix an error on your report

Complaint:
This is a follow up to my complaint submitted to the FTC in XXXX. Somehow this was forwarded to the CFPB for review under Complaint ID XXXX. I was supposed t receive a result on this within 15-60 days from the date XX/XX/2020 as per the letter received XXXX, however I received nothing. Upon further review and closer examination, I noticed that my name was misspelled as " XXXX XXXX '' although this complaint along with three other submitted to the FTC that same day against all three credit bureaus and the company XXXX was written by me and submitted correctly under my name " XXXX XXXX AKA XXXX XXXX '' so I can not understand how this error could have been made on four letters received from the CFPB. Furthermore when I queried the complaint ID in the system I found no information. I am resubmitting this and would like an investigation to be conducted on each bureau for their practices. See my original letter below with additions. 

RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against EXPERIAN. 

Despite my attempts to dispute several items they are reporting erroneously on my credit report, they continue to violate my rights by allowing these incorrect items to remain, have not provided the proof I have requested, and instead they blatantly ignore any of my requests. I have also made a separate complaint with the FTC and with CFPB regarding the inaccurate reporting accounts ( XXXX  ) which has been logged under XXXX. Experian has blatantly stated that they will not reinvestigate my claim although they have a responsibility to do so and it is their responsibility to maintain the accuracy of consumer credit reports. 

Over the past several months, I have tried to resolve this issue, but to no avail. 
Additionally they have failed to supply me with my annual credit report which I am entitled to for free. I have made two requests and they continue to BLATANTLY IGNORE ME. 

In addition to this, They have me listed as XXXX XXXX, when that IS NOT MY NAME. I am XXXX XXXX. For some reason they refuse to correct or acknowledge me by this name despite the fact that they have proof and know exactly who I am. I have written disputes regarding unauthorized inquiries as well. They ignored me and refuse to answer. They have allowed XXXX to make unauthorized hard inquiries on my credit report ( dates XX/XX/2020, XX/XX/2020, XX/XX/2020 XX/XX/2020 ) and I am not applying for any lines of credit or loans with them. I asked them to investigate why and they failed to do so. At one point XXXX  answered one of the letters I wrote to Experian and I don't even understand why. At one point Experian also answered one of my disputes before they received it I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance. I am attaching some of the correspondence sent via US certified mail.

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