Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to experian who obviously wants to never correct things. I had questioned their past procedures in how they process disputes.Having my doubts that information was not only investigated but information on accounts actually existed so I wrote letters and sent to each creditor asking to send me documents supporting accounts. The creditors were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I needed for legal purposes and if they did not have documentation for the accounts to let me know or if they didnt send I would understand that as they no longer have information. 
Well if they no longer have information how can experian have done investigations proper ones. They cant. I am including the letters sent to creditors along with their responses also the request I sent to experian. 
The responses I received after specifically asking for account documentation were these XXXX   XXXX -- -- no longer handles account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- -- the account was sold please contact purchaser XXXX and XXXX please contact us at this number we know your credit is important This to me tells me as no documents supporting account were sent and contact was made asking and calls made but no documentation because the creditor no longer has so how was an investigation ever done if the dont have documentation all other creditor sent packets with documentation. but not these. 

Now my response from experian was this I need to supply relevant information or they wont investigate. I couldnt have supplied anymore relevant than the letter I sent to creditors and their responses. They dont have and didnt send documentation for the accounts instead it was call and contact whom they sold account to. 

If there is no information what relevant information do they want. It was specifically stated documentation was needed for legal purposes. 

Experian always refuses to do anything but send a form letter to you as it saves time and money the 30 seconds they have to process each complaint. XXXX no they dont want to remove an item that they can verify because it would take to long. 

All of these Items should have been removed as there is NO documentation supporting these accounts. End of story. If experian refuses to re investigate or remove then we have a violation of FCRA. I have provided more than enough information to show these items need to be removed. Some are old but all are closed. 

Im asking experian now either remove or supply all documentation that gives them the right to report on my credit file. No ifs ands and buts. If creditor doesnt have experian better have in order to be reporting.

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