Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
Hello I am very disturbed that Experian continues to post in accurate and unverified items on my credit report. I have sent numerous letters with minimal response to obtain a written procedure of their method for investigation into my disputes and in most cases, they have failed to respond completely as this is one of the cases of the dispute letters, I sent out on XX/XX/XXXX and it is now XX/XX/XXXX and I havent gotten a response in writing yet. It appears that Experian doesnt care about damaging my consumer profile with unverified and inaccurate information that has prevented me from obtaining homes, employment and lower interest rates when attempting to apply for credit in which I have been denied numerous times due to Experian relying ( SOLELY ) on XXXX to do their investigation with some out dated numbering system that guesses what category, number or classification a consumer dispute falls into for verification without no one but a computer reading disputes and no human responsible for deciphering the dispute. This is the main reason the CFPB receives XXXX complaints on Experian a year and Experian has not changed the way or process they verify consumer data because they DO NOT CARE about insuring, they post accurate and verified data on a consumers credit profile. At the beginning of XX/XX/XXXX, I noticed Experian had reinserted items back on my credit report that had previously been removed. Experian did not send me ANY notification nor did the entity that Experian claims verified the erroneous information on my credit report PRIOR to reinserting these negative inaccurate unverified items on my report which are listed here as I have asked by phone and mailed letters to Experian disputing there claims and to remove and delete these negative inaccurate unverified items OFF my credit report. They consistently drag their tail and sometime but not often send a vague response to my questions in my dispute letters and by phone. I consider this a very shady practice and I expect better from an entity that controls whether a family will be able to purchase a XXXX home for a family of XXXX or living in a government housing project because Experian doesnt care enough to ensure consumers credit reports are accurate. Experian NEEDS to remove and delete immediately these items below as they have not verified them at all nor have, they sent me ANY of the detailed information I requested by phone and by mail within the 30 days and by law these items must be deleted. To add more insult to my consumers credit report they list bankruptcies on my report that they say they have verified through the US bankruptcy court in my home state, but I send Experian a letter FROM the US bankruptcy court in my home state in which I received it when I followed up on Experian finger pointing to verifying bankruptcies through the US bankruptcy court and the letter from them CLEARLY states the US bankruptcy DOES NOT FURNISH information to EXPERIAN or ANY CREDIT BUREAU. So, I asked by phone and by mail again and again with the most recent being XX/XX/XXXX and its XX/XX/XXXX now and Experian has not responded by mail within 30 days as required by law with an answer to my dispute. This in my opinion a shady practice because Experian WILL NOT state in writing who furnished this information as CLEARLY Experian LIED about the US Bankruptcy court furnishing this information to them on my behalf ( see attached letter from the US bankruptcy Court ). I have XXXX inquiry that has been asked to be investigated in 3 different letters over the past 60 days and Experian has COMPLETELY IGNORED and DID NOT even attempt to investigate this dispute into this inquiry each time I have sent them a dispute. They are a VERY DEVIOUS AND SHADY ENTITY RUINING HARD WORKING CITIZENS LIVES. 


DELETE AND REMOVE THE FOLLOWING ACCOUNTS AND NEVER REINCERT THESE ITEMS ON MY CREDIT REPORT AGAIN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DELETE AND REMOVE THE FOLLOWING INQUIRY AND NEVER REINCERT THESE ITEMS ON MY CREDIT REPORT AGAIN XXXX  XX/XX/XXXX DELETE AND REMOVE THE FOLLOWING BANKRUPTCIES AND NEVER REINCERT THESE ITEMS ON MY CREDIT REPORT AGAIN US XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Reaching out to the CFPB is my second to the last options because my final option is seeking legal advice as I have an extensive paper trail to support my statements.

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