Consumer complaint received 2018-09-09
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: Investigation took more than 30 days

Complaint:
I had written a dispute letter to Experian in which they received on XX/XX/2018 as shown on USPS confirmation of delivery in which a representative of Experian signed for. It is now XX/XX/2018 a week over the 30 days about 36 days now and NO response from Experian. Experian is in violation of federal law as they had 30 days to respond to me and have failed to. This now should go to the FTC as it is a violation. In the meantime my credit suffers because they have accounts that have been closed for 2 years showing postings in 2018 when there should be No data to report. Also showing wrong dollar amounts on some items. 
Not only that but they have locked me out of the online dispute site. So I cant go online to dispute anything or even see if they have processed my XX/XX/XXXX dispute. 
Since Experian failed to handle my concerns in which I not only told them what disputes were I attached their report they had sent to me for previous dispute showing all the blatant errors. This is total negligence on Experians part and fines should be given by FTC and awarded to me. If they want to keep my records then they better keep them properly and accurate. Their negligence is costing me month after month. 
I am requesting since they have failed to respond in over 30 days that items be totally removed from my report. these items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached the original dispute their credit report with errors marked and Their written signature confirming they received request. 
Im not waiting 30 more days this gets done immediately upon receipt of this CPFB complaint orI will file suit in small claims court for violating federal law and damages caused do to their negligence in not doing by law what they are required to. 
I also wish ALL CREDIT INQUIRIES be removed as these blatant errors have caused credit denials in which had experian done its job denials would have been approvals. I also request that the CPFB forward this to the FTC as im sure this is a violation so XXXX  needs to do their job.I also wish to see all original contracts that experian by law is required to have to show proof that they in fact can report these accounts below as legitimate accounts. If they have no contract showing my name on these accounts I respectfully request them to be removed from my credit report. 
These Items below I wish to see contracts with my name on them or accounts must be removed XXXX XXXX  Account beginning XXXX XXXX Account Beginning XXXX XXXX  XXXX Account Beginning XXXX XXXX Account beginning XXXX So I have 4 requests 1. These accounts be removed for failure to comply with FTC 30 day rule and if they wish to continue violating then I also want to see contracts with my Signature as proof that they can report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. All inquiries from XX/XX/2018 be removed because of blatant errors causing denials which if experian would do their job denials would have been approvals. 

3. I wish to see original contracts with my name on and my signature for these accounts in which Experian is by law supposed to have in order to legally report account information on my credit report. With out legal proof accounts must be removed. 
XXXX XXXX  Account beginning XXXX XXXX Account Beginning XXXX XXXX XXXX Account Beginning XXXX XXXX Account beginning XXXX 4.  Last this issue needs to be forwarded to FTC as my rights have been violated and I have been damaged. There should be a fine as well as damages payable to me. Should these things not be doneby experian and XXXX does not do anything like forward to FTC as FCRA has been violated I will have no choice but to take this where I dont wish to go and that is to file a suit in court against Experian for violating FCRA and to file complaint against XXXX for not doing their job and following the law and guidelines set forth by the FTC.

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