Consumer complaint received 2019-02-03
Company: Experian Information Solutions Inc.
State: VA
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 have filed numerous complaints with EXPERIAN regarding XXXX, XXXX, and XXXX. I am now working with XXXX and XXXX to FINALLY remove the unauthorized accounts and information that has remained on my credit report since XX/XX/XXXX. Experian has refused to conduct a re-investigation and constantly responds with pre-drafted scripts indicating they are not authorized to reinvestigate. Experian then indicates that unless additional information is furnished they will not reinvestigate, however never indicating what documents are requested. I have successfully provided all legal information to both creditors and they are both actively looking to resolve this issue, however, Experian has yet to reinvestigate these tradelines and remove the inaccurate information. Their unwillingness to do their job regardless of how repetitive it may seem is the reason creditors abuse customers because they are aware that the credit reporting agencies fail to thoroughly investigate complaints. Simply asking a creditor if the account is valid is not deemed an investigation. In the case of XXXX, please have them provide you with any documentation with my physical signature. They can not furnish such a thing, because this account was opened online by a person who abused the power of attorney afforded to them while I was XXXX. XXXX is in possession of actual proof of XXXX status, along with legal documents from the responsible individual. What additional documentation will it take for EXPERIAN to actually do their job? Look at XXXX, who in XXXX of XXXX blocked my access to their site, and then proceeded to report me late for all accounts associated with them, yet every other month for years is PERFECT. Does that not seem odd? Yet, Experian has failed at accurately identifying these trends and the reason for it and allow companies to get away with this. How can I be responsible for charges I am unaware of? Prove to me the company made contact with me and informed me of these charges, you can't because they didn't. Why would I ignore two specific months and then resume with perfect payments? This is why investigative work is critical and should be taken seriously, I am in a very serious profession for the Federal Government. I will never as a professional, not do my due diligence and then refuse to reinvestigate when results are proven inaccurate and unexplained. Please furnish what information was obtained from all three creditors to validate these inaccurate listings, that clearly Experian has failed to actually investigate. Please inform me what additional proof is needed instead of requesting additional information. I will wait for a response, and if none is received I will be obtaining a lawyer to begin taking legal action as this has dragged on for far too long.

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