Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, Please note that this is the 5TH time I am sending in a complaint in which I also have supporting documents of the nature of the unfair and unlawful practices Experian chooses to use. I have been disputing an account for approximately a year now in regards to my Experian Credit File. The account in dispute is " XXXX XXXX XXXX listed for {$2000.00} ''. I have been telling Experian that this debt does NOT belong to me over the course of a year in which Experian is supposed to take the steps under the FCRA to investigate fully as well as report fair and ACCURATE information on all consumers credit files ( which they do not and have not and have failed to keep their business practices lawful and truthful ). Experian has taken it upon themselves to NOT investigate properly or report the accurate information on my credit file and below you will see why I say this. 

I have supporting documents from the company " XXXX XXXX XXXX '' themselves stating they were not able to verify the debt as being mine. They sent this information through the XXXX  website as well as the letters they stated they were sending in to all 4 Credit Bureaus in regards to the deletion of the debt. Please note they also sent me a copy of the deletion letter ( uploaded through the XXXX  website from XXXX  ). I took it upon myself to also send in the copies of the letters to Experian in which the letters clearly states the debt is NOT mine and the request for removal from my credit file which I sent out on the XX/XX/XXXX. I today receive an updated disputed credit report in which Experian stated that " Unless I send them additional RELEVANT information to support your claim, they will not reinvestigate the information again. '' WHAT?? If this is how they handle a letter straight from the creditor dated XX/XX/XXXX of 2019 then this company is looking at a lawsuit soon! This also made me aware that they DO NOT investigate or pay attention to any of the hand written, eligible, and relevant proof that people send in, which also means they are not following or abiding by the FCRA. Please be aware that I sent in the copies of the letters uploaded through XXXX  by XXXX in regards to the account with my typed and signed letter requesting the immediate removal. 

This company is messing with so many people 's livelihoods by reporting false and inaccurate information and LYING to the public and consumers about " investigating '' accounts. They should be stopped and held accountable for this type of poor business. I have been held up for a year now on big purchases because they refuse to keep and update information so they can keep consumers behind and in debt on paper, it's absolutely disgusting.

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