Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: FL
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:
In XXXX XXXX I submitted a dispute WITH RELEVANT DOCUMENTS, Report Numbe XXXX that they RECEIVED AND, Company responded stating they are STILL WORKING ON IT. THIS IS OBSURD. The fact that I PROVIDED EXPERIAN WITH A DISPUTE LETTER ALREADY that was DELIVERED on XX/XX/2021 and THE RESULTS were UPDATED AND MAILED TO ME, REPORT NUMBER XXXX XXXX XXXX. EXPERIAN IS ABUSING THE FCRA AND NOT PLAYING BY THE RULES THATS IS EXPECTED BY THE CFBP. EXPERIAN HAS BEEN BEEN IN RECEIPT OF MY DISPUTE SINCE XXXX in which they ALREADY REACHED OUT TO THE FURNISHER, UPDATED MY REPORT WITH THE ACCOUNTS BEING REMAIN ON MY CREDIT REPORT, CFPB HAVE SENT A DISPUTE WITH MY RELEVANT DOCUMENTS, AND THEY STILL WORKING ON IT. CFPB RULES STATES THE FURNISHER IS ALLOWED 30 DAYS ONE TIME, NOT TWO, THREE AND FOUR TIMES TO VERIFY/ VALIDATE THE DEBT. THIS IS CLEARLY AGAINST EVERYTHING CFPB STATES ON THEIR WEBSITE.IN ADDITION TO, EXPERIAN. have on their website AND, the IMPORTANT NOTICE that they emailed me TODAY, In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. SO WHY ARE THEY CONTINUING TO CONTACT THE FURNISHER ( S ) WHEN THE DOCUMENTS CLEARLY WARRANTS A DELETION FOR ALL THE INACCURACIES ON MY CREDIT REPORT. LIKE, EASTERN ACCT, the Creditor Contact Info different from their Contact on my XXXX CREDIT REPORT, The Creditor Account # on MY EXPERIAN CREDIT REPORT HAS NO NUMBERS FOR IT, THE TWO ACCTS ARE THE SAME BUT, REPORTED SEPARATELY ( 2 Trade lines ) in which these accounts were DELETED FROM MY XXXX CREDIT REPORT, I provided the DEFAULT LETTER being that this Creditor DID NOT RESPOND TO MY VALIDATION LETTER ( DID NOT VALIDATE THE DEBT AS BEING MINE ) AND, SHOULD OF BEEN DELETED according to CFPB, XXXX XXXX ACCT, shows The Original Balance {$660.00}, the Balance {$660.00} how can a Collection Agency CHANGE THE AMOUNTS, this is INACCURATE REPORTING, EXPERIAN IS NOT ABIDING BY CFPB RULES. DIVERSIFIED ADJUSTMENT ACCT IS REAGE AND NOT MY ACCT. THIS ACCT HAS A DIFFERENT OPEN ACCOUNT DATE FROM WHAT THE PREVIOUS CREDITOR XXXX XXXX REPORTED AND, this too WAS PROVIDED TO EXPERIAN, THIS RESETS THE DATE FOR THIS ACCOUNT TO BE REPORTING ON MT CREDIT REPORT AND, LAST BUT NOT LEAST, I DISPUTED THE MISSPELLING OF MY NAME along with MY CURRENT BILL/ DRIVER LICENSE THAT WAS UPDATE WITH THE CORRECT SPELLING on XX/XX/2021 FROM WHAT I SEE ON MY CREDIT REPORT BUT, EXPERIAN STILL HAVE THE MULTIPLE MISSPELLING OF MY NAME AS REPORTED FROM CREDITORS ( INACCURATE REPORTING ) ON MY CREDIT REPORT THAT SHOWS ON THE UPDATED CREDIT REPORT THAT WAS MAILED TO ME, REPORT NUMBER XXXX XXXX XXXX. ALSO, EXPERIAN CLAIMS THEY DONT COMMUNICATE WITH OTHER CRAS, WELL HOW IS IT THAT XXXX INQUIRY REPORTS TO MY EXPERIAN ALERTS WHEN AN ACCOUNT IS NEW. THIS PROCESS HAS BEEN UNFAIR TO ME, HAS BEEN A BURDEN AND, VERY STRESSFUL. I WILL BE FORWARDING THIS TO MY CONGRESS REPRESENTATIVE, AND FTC. ITS BEEN MORE THAN 30 DAYS AND IM NOT WAITING FOR AN ADDITIONAL 45-60 DAYS. I WILL BE SEEKING LEGAL COUNSEL IF THIESE INACCURATE AND INCOMPLETE ACCOUNTS ARE NOT DELETED FROM MY CREDIT REPORT IMMEDIATELY,

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