Consumer complaint received 2020-09-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint submission is regarding EXPERIAN CREDIT BUREAU, of what has been now going on for a year of investigating for an alleged account by XXXX XXXX. I have now disputed this closed account twice by certified mail. All in which EXPERIAN failed to properly investigate. I have submitted all documents to show my attempt to validate this debt which XXXX XXXX has failed to respond. EXPERIAN also has failed to send me the results of this DISPUTE which was made on XXXX  XXXX, XXXX. I made several attempts to rectify this matter with XXXX XXXX directly and which a Debt of Validation letter was also sent to them by Certified Mail. When speaking to the representative they stated this account was closed because it was paid off, all of which I have absolutely no recollection of. I asked to please send me any documents indicating my involvement with that alleged payment to close the account and signature confirmations of so. They refused to comply with any of my request and rather this account report negative on my file. From that point is where I completed the Debt Of Validation Process which EXPERIAN has failed to send an results within 30 days as well. Today I reached out to EXPERIAN once again which was an overall disaster speaking to the representatives. None of the representatives would assist me or explain what was the results of the dispute. The representatives hung up the phone 3 times on me. The representatives I spoke with today stated their names were : XXXX XXXX XXXX in the " XXXX XXXX '' location. EXPERIAN has twice now failed to honor my right as a citizen of the United States of America and has violated the Fair Debt Collections Practice Act, 15 USC 1692g. All documents attached will reflect the legal process I followed to validate this closed account on my file. The issue at hand is that this single account, is the " ONLY '' account that is being reported as missed payments which does not belong to me. I have several accounts all with absolutely perfect payment history, under 10 % utilization and yet in the midst of a Global Pandemic, I am unable to receive any lending offers due to this " ONE '' negative report by XXXX XXXX from XXXX. We are now in XXXX and due to XXXX XXXX account reporting a missed payments, and regardless of my perfect payment history, I continue to have issues with receiving house loans, credit card offers, or credit increases. This has now become in inhuman like treatment for an account reported paid off and closed from XXXX. As an XXXX American man, I am saddened that I am a victim of this Systematic Racism preventing me from excelling financially with Economic system based on CREDIT REPORTING. Beyond the algorithms that come into play, we as people do have the opportunity to make a choice. A choice between what is right and what is wrong. I am a husband and a father and have to suffer financially due to this one account. EXPERIAN has also failed to provide any documents pertaining this account or anything indicating my legal obligation, or signature proof what so ever. I believe no investigation took place to thoroughly examine this account that had been closed since XXXX. I asked that the EXPERIAN thoroughly examine all documents provided and to honor the Fair Debt Collections Practice Act, 15 USC 1692g and my request to have this account be removed. I am hoping we can all identify with this inhuman like treatment and that one should not suffer for another 4 years for a closed account never validated. I asked to please review the documents provided with a complete unbiased decision to honor my request, as it is the legal obligation of a Credit Bureau. I am advised by my attorney to inform you that all correspondence have been forward to his office as well, as a failure to respond will result in a legal suit.

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