Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: MI
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: Their investigation did not fix an error on your report

Complaint:
Dear Experian : I have two credit cards on file from XXXX XXXX XXXX. The card ending in XXXX was opened XX/XX/XXXX. The other Card ending in XXXX was opened in XX/XX/XXXX. 
Card Number XXXX has been reporting over two years and card number XXXX has now been reporting 14 months ... Both cards are reporting separately as they should. However ' your company not XXXX XXXX is reporting incorrectly. 

I have asked your company to stop sending me out of the United States of America to people that don't speak my language well, don't understand what I'm trying to accomplish and frankly speaking could careless about my credit file. I would like my file worked on by folks here in the United States please. I would like to get my matter taken care of. I have contacted my Congressman and United States Senator in Washington D.C. I have asked Washington D.C. to help me get my credit file reported the correct way and that Experian takes my matters seriously as they are. 

I have received responses from both my Congressman and my US Senator Offices. During my phone conversation with both office these last several weeks they both ask that I duplicate what info I sent originally to your company and your company 's responses. I forwarded to both offices my first written complaint and dispute with all the proper Identification and police reports that I sent to your company. 

In response to what you have written me these last several months. Experian sent me one letter stating that I had not sent in proper identification when I had. I even had an attorney review the information I had sent which was ample. With enough said here let 's see if we can resolve my issue. I ask that when answering this complaint that you supply me an employee number and department you are reporting from as this is not a dispute. I feel I have been run around enough. 

Your company has given me the all time blow off for whatever reason. Your company has hurt my chances at purchasing the home I am currently leasing because no one within your company wants to do the work to correct my issue 's you keep disputing this issue. 

I also need information of who is working my credit file complaint here Because I know this complaint will fall on deaf ears. I don't want to hire an file a lawsuit because your company continues to write me letters blowing smoke as to why you can't fix the issue of why you won't fix the issues at hand. Is this complaint also going out of country? 
Is Experian and there employees that fixated with not helping me with such a small issue that you really want to put this every ill man through all this. I am a fighter a former XXXX XXXX  XXXX. I know you will send me another letter as to why you can't fix my problem instead of fixing it. 

Today XX/XX/XXXX I called your and your company. Again both Cards are over six months old and should be reporting just look at my file I have a copy in front of me. Your company is holding me hostage while I try to purchase the home I'm living in. By telling me during a phone conversation today that I must pay my credit cards on time as I have over two years now and for me to keep paying and paying and one day you'll score me. I have spoken to XXXX XXXX as you told me to which shows the problem is with your company not XXXX XXXX. 

I am asking not to put me back in dispute and to merely fix a minor issue with my credit file and reflect on your computer what the credit card is being reported correctly by XXXX XXXX and to show what you are showing on my report correctly that's all I'm asking. Again card number XXXX has been issued since XX/XX/XXXX over two years and card number XXXX has been in effect for 14 months now and is being reported correctly. With your company not reporting this problem correctly I can't get a credit score from Experian ... Even though XXXX and XXXX is reporting correctly. 

I am begging on my hands and knees to please fix my problem here so I do not lose my home as if this is not corrected immediately the owners will kick my family and I out of our home and they will sell my. We want want to live here. My kids are sitting next to me asking that Experian do the right thing her. A completely easy fix by someone who knows what there doing. Please we ask for immediate attention. 

Sincerely Yours, XXXX XXXX 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