Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: NC
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:
* Experian continues to report an item on my credit report and has not provided any information regarding the validity of the item after several requests. The party they have listed will not communicate with me regarding the information being reported and both XXXX  and XXXX  have stopped reporting as a result. 

* On XX/XX/XXXX, Experian was mailed ( certified ) five disputes related to information being reported on my credit report, showing the inaccuracies and demanding the information be updated or removed from my report. 

* After not having received any confirmation via the Experian app and having confirmation from the USPS the disputes were received on XX/XX/XXXX, I contacted Experian again via phone to request the status of the receipt of the disputes. 

* I spoke with XXXX, who's supervisor is XXXX with the dispute team 'XXXX  ' who advised the only thing received by Experian was one ( 1 ) letter on XX/XX/XXXX for one of the items that has since been removed. He also stated that he can not provide me with any information that is located in my file and I have to reach out to the company reporting the information, 'XXXX XXXX XXXX ', who also will not provide me information because IT IS NOT MY ACCOUNT. Experian has advised they have no duty to provide me any information to validate what the information is or how it is reported, the party reporting would not provide details as the debt is not mine. 

* This is the 3rd time I've attempted to get information and Experian has never provided me with a response to any investigation, they just seem to have automatically update the comments ( as clearly visible in the attached screenshot submitted in my dispute letter ) without showing me how they verified any information and I haven't received anything from the party reporting the information either. 

* Experian will not accept the information I have mailed them, they will not investigate the information I have mailed them and they will not update the inaccurate information I have mailed them, even though the other bureaus PROMPTLY removed it. They will not provide me any information regarding the account reported on my report * I have the tracking numbers as confirmation that all five ( 5 ) of the disputes were mailed to, delivered, and received by Experian on XX/XX/XXXX ( attached ). 

This is being reported today and I will report back when the 30 days have expired as there is no way they can complete an investigation in 30 days because they keep attempting to use the 'we never received your dispute ' stall. I will report again after that if this information is NOT REMOVED from report before XX/XX/XXXX.

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 non-monetary relief