Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I requested that XXXX XXXX Credit Report Agency, XXXX  XXXX XXXX XXXX and Experian failure and out right refusal to investigate disputed derogatory comments made on my Credit Report. All disputes are the same and made identical to each Credit Reporting agency. The dispute relates to three Separate Items, I mailed each dispute separately to each Credit Reporting Agency referenced above and each dispute to each agency was made separate in order to avoid confusion. In other words each agency received three separate envelope, one envelope for each dispute. All communication with these scoundrels are attached here. 

First dispute was mailed on XX/XX/XXXX and XX/XX/XXXX, with supporting documents establishing my position regarding US Dept PF ED/XXXX XXXX & XXXX. I received a response, on XX/XX/XXXX, from XXXX   and on XX/XX/XXXX from Experian and NO response whatsoever from XXXX. The responses from Experian and XXXX  were completely inadequate and failed to comply with Federal Law nor did they resolve the issue. It was clear from the communication no properly investigation was conducted nor document ; likewise they failed to remove the disputed items from my credit report. The response was extremely contradictory to the facts and evidence that I provided, in support of my position. It was and is clear to me that no investigation was ever conducted, no contact to the source was made and that the Credit Reporting Agencies have a custom and practice of lying to consumers and not investigating disputed items. On XX/XX/XXXX, I sent a second letter to both XXXX  and Experian in response to their XX/XX/XXXX and XX/XX/XXXX responses and submitted additional documentation establishing my position and as of today, the Reporting agency has not responded nor removed the derogatory comments on my credit report. As of today I have heard nothing from XXXX. 

Second, dispute was mailed on XX/XX/XXXX, with supporting supporting documents regarding XXXX XXXX XXXX XXXX. My dispute letters have gone unanswered or ignored by all three credit reporting agencies and the derogatory items have not been removed. No investigation has been conducted nor is there any documentary evidence to prove that an investigation of my dispute has been conducted. The disputed items remain on my Credit Report and have not been removed as required by law ; and Third, dispute was mailed on XX/XX/XXXX, with supporting supporting documents regarding XXXX/XXXX. XXXX XXXX. My dispute letter has gone unanswered or ignored by all three credit reporting agencies and the derogatory items have not been removed. No investigation has been conducted nor is there any documentary evidence to prove that an investigation of my dispute has been conducted. The disputed items remain on my Credit Report and have not been removed as required by law. 

The conduct of these three agencies is unreal and makes one wonder how long they have been doing this. I understand Covid-19 has made things difficult but allowing my credit report to be damaged is not an excuse. They could have responded to removed the derogatory information ; especially after seeing that I have always had perfect credit. Clearly they are a mistake and the circumstances of the Covid-19 should not permit, the Credit reporting Agencies from removing items not investigated for 30 days. 

I have a separate complaint with XXXX and this complaint is unique to them : They refuse to spell my name correctly. Their report says '' XXXX XXXX XXXX ; but my name is : XXXX XXXX XXXX, XXXX or sometimes XXXX XXXX XXXX XXXX ; why they will not spell my name correctly, I just do not know. 

Experian has the a similar problem, they call me XXXX XXXX ; although that is short for my legal name. Because I am a XXXX and the XXXX still is alive, I always use my prefix of XXXX, not sure why a XXXX reporting agency can not understand the importance of using a prefix? These agencies are so unprofessional and cause so much damage to consumers. For six months I have not been able to obtain credit ; I lost a refinance all because the credit reporting agencies refuse to report accurate information or spell my name correctly! 

Last, the credit reporting agencies continually argue with me about my residence address and by mailing addresses although they have not changed for over 10 yrs. My Residence address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; I have several mailing addresses because of my business type and locations : ( a ) XXXX XXXX XXXX, XXXX, CA XXXX, this has not changed for over 10 years. I have a business mailing address of : XXXX XXXX XXXX, XXXX. XXXX, XXXX, CA XXXX ; this has been since XXXX ; Ihave a Nevad mailing address where one of my business offices is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I have had this business mailing address since XXXX. I have another business mailing address at : XXXX XXXX XXXX, XXXX, CA XXXX. These are the only residence and business mailing addresses I have ever had. I have had them for a very long time. Again the XXXX XXXX XXXX is my residence and the XXXX XXXX XXXX, XXXX, CA is my primary mailing address, the others are used for business. Not sure why these multi-million dollar corporations can not get it right. I think they just do not care, they are here to take advantage of the public and rip the public off when ever they can. Please help me resolve these problems.

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