Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on or about XX/XX/XXXX, Experian was notified via my attorney in writing of a pending dispute XXXX XXXX XXXX. We submitted over 100 pages with that mailed dispute. 
This indirect dispute triggers an obligation by a credit bureau pursuant to 15 U.S.C. 1681i to conduct a reasonable investigation of the information i disputed. 

Experian must notify the data furnisher ( the entity that supplied the incorrect information ) about your dispute. The furnisher is then required to conduct a separate reasonable investigation pursuant to 15 U.S.C. 1681s-2 ( b ). 

neither Experian nor XXXX have bothered to fix the inaccurate information you disputed, the Fair Credit Reporting Act allows you to sue XXXX, Experian, and/or XXXX AND sue the data furnisher in federal court. 

Experian continues to report my account negative despite being fully aware that there is pending federal litigation against XXXX. 

Experian has failed to conduct any reasonable investigation. On XX/XX/XXXX,, I called experian to speak to one of their " dispute specialists '' upon further inquiry they refused to give me a copy of their alleged investigation. i asked what steps they took. he acknowledged they rec 'd my dispute on XX/XX/XXXX. i asked whether they read what i sent and he said they review it and " determine if its valid ''. then they contact XXXX  about my dispute. He said he could not confirm what day or " what hour '' Experian contacted XXXX. He said that on XX/XX/XXXX XXXX  simply " stated '' that I was late. The so called dispute specialist had no infmation on how XXXX  " stated '' this ( in writing, via email, via phone ) and had no copy of what dates XXXX said I was late on. 

then supervisor XXXX said they actually do not review anything they are just intermediary. experian does not take a position- which is contrary to what the previous dispute specialist said. she said theydont ask for evidence just the result. she refused to disclose how XXXX conveys that information to Experian, thereby I am left out of this side conversation. she confirmed on the recorded that theydo NOT conduct an investigation that in fact XXXX  The representative was extremely unhelpful and was unable to answer the most basic questions related to their so called investigation. XXXX said i would need to re-dispute yet their website will not allow me to upload again the same documents b/c there is alraedy a pending dispute .... yet they previously stated on XX/XX/XXXX XXXX respoded and that the investigation was complete. 

the bottom line is that EXPERIAN has failed to conduct any investigation that could even be considered " reasonable ''. they admitted on their recorded call that they are nothing more than an intermediary

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