Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XXXX, XXXX, I submitted a dispute for inaccurate residency type as well as personal information update. Experian online portal is reflecting the same false information as I previously disputed. Experian has on multiple attempts, denied my removal request of the inaccurate furnishings on the Experian 's Credit Profile. I have asked in private and I have also asked previously in a CFPB complaint. This complaint today is a demand addressing the multiple names on the Experian Credit Profile. I have previously provided Experian with the legal documentation for a name change. I do not consent to any reporting of any name that I have not approved of. I do not consent to the use of any name associated with any account to reflect on the Experian 's Credit Profile that I have not authorized in writing. I do not consent to any reporting of any address that I have not approved of. I do not consent to the use of any address associated with any account to reflect on the Experian 's Credit Profile that I have not authorized in writing. Many dispute results show responses in as little as 24hr turnaround. This surely isn't enough time to speak with agents on the opposing side to gather information and then perform an authentic investigation. Experian has shown that they are willing to manhandle me in reference to what will and will not be removed from the Experian 's Credit Profile. CFPB I reach out to you as a medium to bridge the gap, to inform the corporation of EXPERIAN that they are, sadly, legally and lawfully mistaken. It is I who authorizes what is to be displayed on the consumer report. Experian 's, quick response to dispute lacks protocol. As you are aware, I am lawfully protected by multiple USCs, I have the right to request the information from any investigations done on behalf of the consumer. To the CFPB and EXPERIAN execs, I request any and all information on ALL accounts that have been disputed, EXPERIAN please do not respond stating you need individual account numbers to be specific. I am requesting all documentation for all investigations for all accounts listed as disputed and verified between XX/XX/XXXX and XX/XX/XXXX. I do not wish to receive any feedback stating that you have sent the information previously as I am requesting and demanding this information as of XX/XX/XXXX at XXXXXXXX XXXX. CFPB it is clear that I have been discriminated against and feel the remedy to rectify this occurrence of furnishing inaccurate information is to delete any and all information that is attached to any and all disputes that I have filed between XX/XX/XXXX and XX/XX/XXXX for this Experian 's Credit Profile, indefinitely. 

-Notice of results of a reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

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