Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter out on XX/XX/XXXX. XXXX to Experian, XXXX and XXXX. However, it has been 30 days and the credit bureaus failed to send my investigation back. This makes no sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Because of this stated law, I called each bureau to get an explanation of what happen to my letters and supporting documents. 

I spoke with an agent named XXXX at Experian on XX/XX/XXXX who refused to give me an explanation as to why I had not received a response but admitted they received my letters along with my identification documents. Instead, she said AS OF NOW they would investigate the disputes which she said would take an additional 30 days. I asked to speak to a supervisor who was not able to come to the phone. 

I spoke with an agent at XXXX on XX/XX/XXXX who gave me verbal confirmation that they completed the investigation and that everything was 100 % accurate by having my name, date of birth and address. THIS IS NOT A VALID RESPONSE.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to and how did they verify this information? 

I provided each bureau with a copy of my driver 's license, social security card, a police report, signed affidavit and a copy of my lease. I have been a victim of fraud and they have yet to provide factual information confirming the creditability of these accounts/debts. They have continued to report the wrong name, wrong address, and wrong telephone numbers without verification.

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