Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MD
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} Chapter XXXX Bankruptcy Case Number : XXXX Please remove it to my credit report. 

2. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account XXXX : XXXX Please remove it to my credit report. 

3. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

4. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX Account XXXX : XXXX Please remove it to my credit report. 

5. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

6. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 explanation