Consumer complaint received 2018-02-15
Company: Experian Information Solutions Inc.
State: OH
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:
We previously submitted CFPB Complaint Number XXXX which was filed on XX/XX/2018 regarding a series of what we believe are incorrect credit report details for our company XXXX XXXX XXXX XXXX XXXX # XXXX. 

As part of the initial issue escalation we indicated credit reporting agency Experian 's lack of willingness to provide XXXX XXXX   XXXX XXXX with the a comprehensive detailed list of all specific vendors reported on our credit report, including the following detail : - Complete legal name and full account number of each entity reporting credit information on XXXX XXXX XXXX XXXX - Complete address and contact information ( Phone, Email and specific contact name ) of the entity reporting the credit information on XXXX XXXX XXXX XXXX - Dates of the last time each XXXX XXXX XXXX XXXX  credit account name was reported To date XXXX XXXX XXXX XXXX  has still not been provided this detail as Experian is claiming they preserve and protect the privacy of the businesses reporting on our credit report. The challenge XXXX XXXX XXXX XXXX  has with this is that it makes it impossible for our organization to properly and thoroughly dispute the reported credit information, especially in light of the fact that not a single vendor or service providers account information currently matches anything Experian is noting on our report. 

So XXXX XXXX  XXXX XXXX can properly and thoroughly investigate internally any information Experian is noting and using as a means of judgment for establishing a business credit score, which ultimately impacts our business on multiple fronts, from the cost of credit to being accepted into industry programs where credit report details are pulled as a basis for judgement, we believe the vendor specific details must be provided so we can properly and fairly dispute incorrect information. Even through efforts by our Attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Experian continues to not provided the applicable credit information requested. 

To date XXXX XXXX  XXXX XXXX has simply received automated responses that the XXXX XXXX  XXXX XXXX complaints have been received, will be assigned, and have been closed out with no follow up with our organization. This applies to our intial Experian Case # XXXX and more recent Experian Case # XXXX. Experian Case # XXXX being noted as closed on Wednesday XX/XX/XXXX. Based upon these actions, moreso the lack of proper follow up, XXXX XXXX XXXX XXXX believes Experian is displaying a gross negligence, lack of compliance and malfeasance in providing the request details noted above and as stated in Experian Cases # XXXX and # XXXX. 

These continued actions by Experian we believe are creating an undue and irreparable harm financially to XXXX XXXX XXXX XXXX and are requesting the support and help of the Consumer Financial Protection Bureau in escalating this for resolution by Experian moving forward as it relates to XXXX XXXX  XXXX XXXX   's and compelling Experian to provide the requested information as aforementioned in this message. XXXX XXXX  XXXX XXXX   furthermore request that Experian emails the specifically requested information within 5 business days receipt of this complaint through the CFPB as well as have a company representative directly contact XXXX XXXX - Director of Operations via phone at XXXX to clarify all details are fulfilled in entirety. 

The CFPB 's prompt handling of this matter is greatly appreciated as XXXX XXXX  XXXX XXXX works to ensure our credit reporting details are accurate and truly reflective of the correct facts that should be denoted. 

Respectfully submitted, XXXX XXXX Director of Operations

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