Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: SC
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:
First off My Name is XXXX XXXX XXXX. I am aliving and breathing human being, I have rights granted to me by the " FAIR CREDIT REPORTING ACT " THAT ARE BEING VIOLATED!! THE CFPB IS GRANTED NO PROTETCTION OR EXSEMPTIONS TO FOLLOWING THE FCRA AND IN FACT WAS PUT IN PLACE TO ENSURE THAT THE CRA 'S PERFORM THEIR JOBS IN LINE WITH THE INSTRUCTIONS OF THE FCRA .THAT BEING SAID, I HAVE FILED MANY COMPLAINTS AND THE WAY THE CFPB HAS ALLOWED TIME AFTER TIME IN DOCUMENTED DISPUTES/COMPLAINTS THE CRA 'S IN PLAIN ENGLISH PICK AND CHOOSE WICH LAWS THEY WANTED TO FOLLOW ON A CASE BY CASE BASIS AS WELL AS LET THE CRA THEM SELVES DECIDE IF THEY WERE TO PAY FOR THE VIOLATIONS THEY HAVE COMMITTED, AS WELL AS BREING REQUESTED TO HAVE A RESPONCE FROM THE CFPB ONLY TO HAVE MY CASE CLOSED .I WAS INSTRUCTED BY MY ATTORNEY TO MAKE YOU AWARE OF MY INTENTIONS OF SUING AND SPEADING THE TRUTH LOUD FOR ALL TO HEAR IF THE CRAS ARE NOT MADE TO COMPLY BY YOUR OFFICES IT IS ALREADY IN THE NEWS THAT THE PRESIDENT WANTS TO SHUT YA DOWN I WILL BE XXXXNE MORE NAIL IN THAT COFFIN, ALL I ASK IS YOU DO YOUR XXXX JOB. 
tHIS COMPLAINT IS ABOUT XXXX, EXPERIAN, AND XXXX AND ABOUT AN ACCOUNT ON MY CREDIT REPORT " GROW FINANCIAL SHOWING A LATE PAYMENT. i HAVE CONTACTED EACH CRA AND MADE THEM AWARE THAT GROW FINANCIAL GRANTED A GOODWILL REMOVAL OF THE LATE PAYMENTS, AS WELL AS PROVIDED EACH CRA WITH SCREENSHOTS OF THE CONVERSATION ON THE GROW APP SUPPORT WHERE IT SHOWS THAT GROW IS STATING THE APPROVAL OF THE GOOD WILL PAYMENT REMOVAL AS WELL AS SCREENSHOTS STATING THAT THEY HAVE ALREADY CONTACTED EACH CRA SO WITH OUT ANY SHADOW OF A DOUBT I HAVE GIVEN PROOF POSITIVE OF THE GOODWILL REMOVAL, BUT EACH CRA SAYS THEY HAVE NOT RECIEVED ANYTHING .i FILED A DISPUTE WITH EACH ONE OF THE BUREAUS TO ENSURE THAT THEIR WOULD BE A REINVESTIGATION DONE AND WOULD BE PROVIDED THE STEPS IT TOOK TO REACH THE RESPONCE OF SAID REINVESTIGATION, BUT ALL 3 CAME BACK UPDATED AND NONE OF THEM PROVIDED THE REQUIRED INFO THAT THEFACTS ACT STATES IS REQUIRED OF EACH AND EVERY CRA ON EACH AND EVERY REINVESTIGATION AND FURTHER THE FACTS ACT STATES THEY SHOULD TAKE INTO CVONSIDERATION THE STATEMENTS OF THE CONSUMER AS WELL WICH THEY 100 % HAVE NOT, AND ON TOP OF THAT I HAVE BEEN IN CONTACT WITH GROW TO BE SURE THAT THEY REACHED OUT TO THEM THEY ASSURED ME THEY HAD AND I ENFORMED GROW FINANCIAL OF THE DISPUTE RESULTS AND ASKED IF ANY OF THE 3 CRAS HAD CONTACTED THEM WITH MY DISPUTE FOR A REINVESTIGATION AND THEY STATED THAT NOT 1 OF THE 3 HAD CONTACTED THEM SO THAT MEANS THEY SAID THEY INVESTIGATED AND DID NOT WICH IS A MAJOR VIOLATION OF MY RIGHTS I WILL NOT STAND FOR THIS BEING DONE TO ME I WORK HARD I DO NOT DESERVE FOR THE CRAS TO HAVE THEIR WILL WITH THE STATEMENTOF FINANCIAL STABILITY .I WITH OUT INTEND ON PERSUING LEGAL ACTION AGAINST THE CFPB, AS WELL AS THE XXXX CRAS AND SEEK THE MAXIMUM DAMAGES ALLOWED ON A STATE AND FEDERAL LEVEL AS THIS PARTICULAR TIME I HAVE IT DOCUMENTED JUST HOW MUCH THIS VIOLATION OF MY RIGHTS BY THE CRAS HAS COST ME .IMAWARE XXXX DONT NEED NO MORE BAD PRESS, NOR EXPERIAN AND CFPB YOU GUYS ARE ON THE BRINK OF EXTENCTION A LAWSUITE LIKE THIS ONE MIGHT JUST HAVE A FEW OF YOU ALL ON UNEMPLOYMENT SO I ASK OF YOU CFPB PLEASE MAKE THEM REMOVE THE LATE PAYMENTS FROM THE GROW FINANCIAL ACCOUNT ON MY CREDIT REPORT TRANS UNION AND XXXX SHOW ON THE MAIN PAGE OF THE ACCOUNTS THAT THEIR ARE 0 LATE PAYMENTS AND WIHEN YOU HIT THE PAYMENTS IT SHOWS 2 LATE PAYMENTS AND THE ARE REPORTING THEM ITS LIKE THEY ARE HIDING THEM IN PLAIN SITE THE CONSUMER THAT PAYS FOR THEIR SERVICE LOOKS OVER HIS REPORT IT SAYS XXXX MAYMENTS ARE LATER BUT YOU CAN ONLY TELL IF YOU BRESS A BUTTON AND LEAVE THE MAIN ACCOUNT SCREEN IT IS IF THEY WISH TO HIDE THE ACCOUNT SO THAT IT MAKE BE ABLE TO CONTINUING REPORTING THE ACCOUNT IN A NEGITIVE LIGHT FOR LONGER ITS AS IF THEY ARE ACTIVLY ATTEMPTING TO KEEP CONSUMERS SCORE DOWN IF NOT ON THE MAIN PAGE FOR THE ACCOUNT WHERE IT SAYS LATE PAYMENTS 0 WHAT IS THE SENCE IN PAYING FOR THE SUBSCRIPTIONS IF THEY WONT GIVE US ALL OF THE INFORMATION SO WE MAY TRY TO FIX IT THEY VIOLATING RIGHTS AND STEALING AT THE SAME TIME BECAUSE THEY ONLY GIVE YOU THE INFO THEY WANT YOU TO HAVE SO THEY CAN STRING YOU ALONG CASE PER CASE AND DAY FORF DAY

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