Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: NC
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:
I am mentally exhausted and at the same time outraged by Experians brazen disregard for consumer rights. It seems to get worse every year. I am surprised that there is not a class-action lawsuit by now. Experian can not be allowed to continue operating this way. 

In this complaint, I am only addressing the 3 accounts for which I submitted a Reinvestigation Dispute with Experian on XX/XX/XXXX & XX/XX/XXXX, via Experian upload and certified mail. The accounts include XXXX Acct XXXX XXXX, XXXX Acct # XXXX, and XXXX Acct # XXXX. * I received notification that Experian received my uploaded Reinvestigation Dispute. 

Before submitting the Reinvestigation Dispute, I submitted an online dispute with Experian on XX/XX/XXXX. The Reinvestigation Dispute and evidence is attached to this complaint as proof of how Experian violated my rights between XX/XX/XXXX XX/XX/XXXX. 

Summary of egregious issues and FCRA violations include : Experian did not complete a proper investigation ( 4-day investigation completed ). 
Experian re-aged at least one of my accounts. This is a big violation. 
Experian added additional inaccurate and unverifiable information. 
Experian notified me that the dispute was completed and updated but no explanation ( their normal procedure ). 
Experian changed additional information the day after I received the updated dispute. I did not receive notification of the additional changes. I just happened to notice the new changes after receiving a credit score alert. It seems they were trying to cover up one of their more gross errors from the previous update.

Experian removed data as to provide an even more unfair and incomplete picture of my credit accounts.

Experian maliciously, illegally, and strategically added 1 Charge-off ( CO ) on XX/XX/XXXX after removing 32 months of data, as to provide the illusion of a new ( CO ) *As of today, Experian is still illegally reporting my accounts this way. It is unbelievable that they continue to get away with this nonsense. 
Experian played sloppily around with my credit file on XX/XX/XXXX & XX/XX/XXXX, adding and taking away unverified information causing my credit score to yo-yo XXXX points. *A detailed explanation is included in my Reinvestigation Dispute attached. 
Note : During this time, my background was being checked for a new consultant role. My onboarding was delayed by a week because Experian was sloppily playing around with my credit file at the time. How can anyone in good conscience treat people the way they do business? I am flabbergasted. 
Experian is not complying with FCRA rules and regulations. Experian does not complete proper investigations and reports unverified, negative information. If the information was accurate and verified, it would not change 3-4 times within a 2-week span. *Evidence is attached. 

I completed my own research concerning FCRA rules and regulations before drafting a response to Experians flagrant attempt at conducting a proper investigation. It was hard to stay focused to draft a response because of the outrage I feel for this company. I have not been able to even sleep well knowing that they have no disregard for me as a person or human being. It is degrading and demoralizing. I have worked hard to have flawless credit for the past 3 years even dealing with being out of work for 6 months. I go out of my way to lift others up and help people who are down on their luck. Experian is not only violating FCRA laws. They are breaking human decency and moral codes. XXXX  days are gone. They need to remember that we all have rights now. 

Summary of additional violations Experian has committed from XX/XX/XXXX, to the present : XX/XX/XXXX I contacted Experian by phone to start a reinvestigation dispute. I explained that I wanted to create a reinvestigation dispute for my XX/XX/XXXX, dispute. That is my right, but the agent would not allow it. I assume the agents are trained to start new 30-day disputes so they have time to butcher your credit file up good. I asked her to stop and not to submit a report on my behalf because she was not listening to me and was not adding pertinent information in my dispute. I told her that I would send my dispute by certified mail. THE AGENT SUBMITTED A DISPUTE ON MY BEHALF WITHOUT MY PERMISSION!!! The phone recording will prove that. The call started at XXXX XXXX on XX/XX/XXXX. This is definitely another violation of my rights. 
XX/XX/XXXX & XX/XX/XXXX I uploaded my Reinvestigation Dispute documents and evidence to the Experian upload page ( Evidence is attached with this complaint ). 
XX/XX/XXXX I also sent Experian my Reinvestigation Dispute by certified mail. It is scheduled to be delivered today, XX/XX/XXXX. 
XX/XX/XXXX I was notified that the dispute I asked the agent not to submit was completed and updated. As you will see in my Reinvestigation Dspute letter, Re-aging was one of the egregious issues that I disputed. That was the only issue the agent took note of on XX/XX/XXXX. It looks like she just added a couple late payments to cover for the re-aging issue and again updated 32 months to show NO DATA while strategically and illegally reporting a ( CO ) on XX/XX/XXXX to look new. Obviously, there was no proper investigation completed again during the 2-day UNAUTHORIZED investigation. My score plummet XXXX points again within a 2-week span. Please recognizing that these are serious violations. 
Experian has been playing around sloppily with my credit file for the past 2 weeks. Either the creditor is unreliable and can not provide valid data or Experian is being incompetent and not conducting proper investigations. It is obvious that they are blindly changing information so they may continue to report inaccurate, incomplete and unfair accounts on my credit file. The information in the 3 credit accounts referenced above are egregiously inaccurate and incomplete. EXPERIAN IS KNOWINGLY REPORTING INCOMPLETE, INACCURATE AND UNFAIR INFORMATION ON MY CREDIT REPORT. 

How long is Experian allowed to violate my rights by reporting unsubstantiated information and playing flip-flop and yo-yo with my credit score? Please help me fight this injustice NOW. I will also start drafting a letter to send to the Attorney General at least 2 letters a week until this issue is resolved.

PLEASE NOTE : In my Reinvestigation Dispute, there is an error that I caught yesterday. I stated under, Under [ 15 USC 1681i - 611 ( a ) 1c ], a new 30-day investigation is NOT prohibited, and a prompt Deletion of these accounts is warranted and permitted by law due to the pertinent information and evidence I provided. I intended to say, IS NOT ALLOWED.

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