Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been requesting reports from all 3 credit reporting agencies, XXXX, Experian and XXXX  by mail and they do not send them report. I have opened accounts with them online and disputed online and uploaded 4 ID 's and 2 proofs of address. When I call them to ask why I am not getting the reports by mail and why the online account keeps getting blocked or starts giving me an error when I press send dispute, they said they had to verify me first. With my XXXX  XXXX  report in front of me, I answer correctly all their questions and then they say ( XXXX  guilty of this ) they can't verify me so they can't answer any of my questions. I said, You can't verify me even if I am giving you all my correct information and they say we can't verify you. I said why are you not answering any of my disputes by mail nor online. They said they have not received a dispute nor request from me in the last 2 years. I have been disputing monthly for the last 12 months. 

Experian did the same thing, they denied having received any of my disputes by mail. XXXX  is denying receiving the disputes by mail and online and I have proof that I summited it with all the required ID 's. I verified the addresses where to mail the requests 7 months ago. Experian and Equifax changed the address of where to mail the stuff ( did not update the websites ) but verbally said that I was sending the requests to the wrong address. I switched to the new addresses 7 months ago and they are still denying receiving the information. I did not send anything certified so I have no proof that they got it. 

In summary, XXXX  is doing an ok job during the Pandemic. Experian and XXXX  are violating the law and the fair credit act by not providing reports and not processing the disputes. 

Experian and XXXX  have tried two additional tactics, they are denying receiving the mailed letters and XXXX  is denying receiving the mail and online disputes. They are also on purpose not verifying me over the phone even when I answer everything correctly as not to answer any questions. 

Experian also denied over the phone having received any letters. When is said, Sir, I have sent a letter every month for the last 12 months. He very specifically said just repeated the same line, we have nothing in our system that we have received any disputes from you by mail in the last since 2019. I said, very convenient the way that you phrased that. 

To top it off, they changed the addresses to where the disputes get mailed on purpose and didn't tell anyone that way they can claim not receiving the disputes. 

I am trying to get approved for the SBA loan and for other loans and have not been able to even get a copy of my report from them directly and not been able to get approved for credit because I can't seem to dispute incorrect information on my report. 

I know many people that have had the same exact experience that I am having. Please help me. 

Dates of these disputes have been one a month for the last 12 months. It is ridiculous that we get judge on our credit and these multi XXXX companies get away with violating the law, lying and limiting my ability to get financing. 

PLEASE HELP!

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