Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: PA
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 have made repeated attemtps to resolve this matter. Attempt 1 On  XX/XX/2020, I sent Experian and XXXX XXXX XXXX letters advising them of an error on my credit report. I also explicitly requested from both parties that if they can verify the information Experian has listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. According to the certified mail records, Experian received my letter on XX/XX/XXXX, XXXX XXXX XXXX XXXX received my letter on XX/XX/2020. Neither XXXX XXXX XXXX adequately addressed this matter and Experian has failed to respond. 

XXXX has failed to response in a timely manner. I contacted Experian via phone on XXXX regarding the dispute, only to learn that they had no begin to work on the dispute. I was advised that my letter may still be in the mail department. I advised Experian that I sent a certified letter on XX/XX/2020 and that they received it on XX/XX/2020. I advised them further that XXXX XXXX XXXX had also received my letter of dispute around the time and that both it and XXXX XXXX XXXX has had ample time to investigate this matter. I also advised Experian of XXXX XXXX XXXX response as outlined below. 

XXXX XXXX XXXX XXXX  response to my dispute : I received the four different letters all dated XX/XX/2020, from XXXX XXXX XXXX. I have attached each letter. The letters contained three inconsistent statements related to my dispute - ( 1 ) XXXX XXXX XXXX can not find an account, ( 2 ) XXXX XXXX XXXX transferred the account to another company and told me to pursue the matter with that company, and ( 3 ) XXXX XXXX XXXX made a summary statement that the information is accurate ( without providing further details ). Below are excerpts of the letters : XXXX XXXX XXXX Letter Dated XX/XX/2020 ( Letter 1 )  Thank Experian for your inquiry to XXXX XXXX XXXX. Please be advised that the ownership of this account has been transferred to XXXX XXXX, XXXX. To pursue this matter further, Experian may contact the agency at : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Letter Dated XX/XX/2020 ( Letter 2 ) Thank Experian for contacting XXXX XXXX XXXX. We were unable to locate an account with the information that was provided. 

XXXX XXXX XXXX Letter Dated XX/XX/2020 ( Letter 3 ) Thank Experian for your recent inquiry to XXXX XXXX XXXX. We are in receipt of your recent correspondence regarding an account with XXXX XXXX XXXX. Please be advised that we were unable to locate an account with the information that was provided. 

XXXX XXXX XXXX Letter Dated XX/XX/2020 ( Letter 4 ) Our  investigation into your request has determined that the above-referenced account is being reported accurately ; therefore, the credit report can not be changed. 

These inconsistent statements seem to suggest that XXXX XXXX XXXX   has not adequately investigated the matter. If, as stated in XXXX XXXX XXXX Letters 2 and 3, it can not locate my account, then the XXXX XXXX BXXXX information on my credit report should be removed from my credit report, as XXXX XXXX can not validate the accuracy of this information. XXXX XXXX XXXX suggestion in Letter 3 that I should contact the third party suggests that XXXX XXXX XXXX is either unable or unwilling to validate the credit report 's information provided by XXXX XXXX XXXX. 

Lastly, I specifically requested in my XX/XX/XXXX letter : if you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. XXXX XXXX XXXX summary statement that the information is reported accurately without providing the details to support such an argument does not comply with my request for information. 

Credit Ones contention that the data is accurate, viewed in the context of the other inconsistent statements, and not providing the basis for this conclusion, suggest that XXXX XXXX XXXX either can not or is not willing to validate this information 's accuracy. 

I have spent hours writing letters to XXXX XXXX and Experian and calling Experian in attempts to get Experian and XXXX XXXX to comply with the Fair Crediting Reporting Act. Neither party has provided me with the information requested. Plus, I have incurred expenses and travel time to the post office sending certified mailings. I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score. My original dispute was filed 45 days ago ( on XX/XX/2020 ). Both companies have had ample time to resolve to this dispute.

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