Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: MI
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:
Experian has took over 30 days investigating XXXX XXXX XXXX since XX/XX/XXXX when I first submit the complaint. Experian sent me a letter stating an investigation will start XX/XX/XXXX when the other credit bureaus removed the Deceptive XXXX installment loan off my account in 10 days and restored my 30 point credit score. After sending a letter from XXXX XXXX stating they are not reporting a debt of {$270.00} and sent a letter to XXXX XXXX XXXX XXXX to stop using their Bank name. Experian has continuously decreased my credit score deliberately. XXXX XXXX XXXX XXXX never sent Experian any documents supporting a loan. I had Experian Boost product that reported a loan deceptively with the wrong data and took months and months for Experian to remove the account because it was paid in three months. It took Experian 6 months. It appears that Experian enjoys decreasing XXXX Americans and seniors credit score in which I have seen over the Website. My complaint thru The CFPB about the same issue was submitted again XX/XX/XXXX and Experian letter state the investigation is still pending as of XXXX XXXX. Experian closed the same issue in XXXX without sending any answer. It appears Experian is in collaboration with XXXX XXXX XXXX XXXX the collection agencies that the CFPB sued in XXXX for Deceptive Practices. XXXX XXXX XXXX XXXX signed a Consent Order for Deceptive Practices copy enclosed. Experian the company listed as an charity is allowing XXXX XXXX XXXX XXXX to have an installment loan on my credit report without any supporting documents. XXXX XXXX XXXX XXXX does not have a license in the state of Michigan according to the Michigan XXXX Department of license. So Experian has authorize XXXX XXXX XXXX XXXX to not pay taxes to the state of Michigan. Charities are obligated to know who they are accepting money from. Experian has never sent XXXX XXXX XXXX XXXX my complaint because all I get back from Experian is this is an Duplicate issue case closed or company has responded case closed verified. Under the Fair Credit Acts Experian must tell me in details their answer and I am requesting Experian to tell me details why are their company reporting a XXXX installment loan on my credit report and the XXXX XXXX aka XXXX XXXX XXXX XXXX. Under the Fair Credit Acts Experian must tell me the first date Experian notified XXXX about my complaint. XXXX XXXX XXXX XXXX has lost their license in many states XXXX has lied again when they wrote XXXX is in compliance with state and federal law about licensing and XX/XX/XXXXXXXX never sent me a letter in XX/XX/XXXX about a {$270.00} Debt and an account sold to XXXX. Under the Fair Credit Acts it is time as of today XX/XX/XXXX for Experian to send me the results of a investigation thru The CFPB Website. The investigation includes why did Experian lie I had an XXXX XXXX installment loan in collection after XXXX XXXX wrote to Experian that no account exist and Experian is to stop using their Bank name. If The CFPB agency is listening I would like you to violate Experian for taking to long to investigate when other credit bureaus only took ten days and restore my credit reports. Sent a partial copy of XXXX Consent Order 60 pages long and letter from Michigan XXXX Licensing stating XXXX is not in good standing in Michigan. Experian to send their answer thru The CFPB Website only.

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 non-monetary relief