Consumer complaint received 2020-11-20
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent a Dispute letter to Experian, XXXX, and XXXX about My Current Federal Student Loan and a Charge off account from XXXX XXXX via certified mail. On XX/XX/XXXX XXXX XXXX and XX/XX/2020 all three credit reporting agencies received letter via certified mail 30 days later i only received a letter from XXXX  saying they verified my XXXX XXXX account but they never sent the items in question so on XX/XX/XXXX XXXX I sent a method of verification letter on XXXX XXXX XXXX received the letter via certified mail asking them can they send the documents I actually asked for and not a credit report. On XX/XX/XXXX I sent out another letter this time a non response letter to dispute the remaining items such as a student loan thats currently in litigation with the attorney general of Illinois and several of inquiries. On XX/XX/2020 they received the letter via certified mail and it was signed on the same date. For almost 4 months Ive been going through the same process trying to remove unverified accounts. on XX/XX/XXXX, I even called to ask both XXXX and XXXX have they received my certified letters and both agencies denied receiving my dispute letters even though i sent them certified mail along with the exact time and date they were signed by a verifying agent. I again proceeded to send one more letter on XX/XX/XXXX asking them to delete certain disputed items in question since they never responded to me within the first 60 days again i even pointed out the parts were it clearly showed the wrong payment history and incorrect information and as of XX/XX/XXXX XXXX and XXXX sent me a notification that again this inaccurate account had been verified. On XXXX XXXX around XXXX XXXX I spoke with a supervisor at XXXX  about the incorrect information and they told me the only thing I could do was dispute once again even though I disputed these issues at least 4 times since XXXX. 
The supervisor told me that if I didnt want to file another dispute then I should contact The Creditor which is XXXX XXXX. On XXXX XXXX at XXXX I spoke to a supervisor that was responsible for reporting to credit bureaus and the supervisor told me there was a cease and desist letter on my account and therefore would be almost impossible to verify my account without removing it. Armed with this information I again called XXXX to ask can i have this negative item removed and the supervisor told me i have to dispute it for the fifth time. I ask him how is this information is being verified and he told me XXXX verified this information in XXXX even though a XXXX XXXX representative told me 30 minutes ago prior its impossible to verify my information due the cease and desist hold on my account. As an a veteran with XXXX this has been affecting me greatly. I did everything right according to fair credit report and these 3 rogue credit agencies refused to do their due diligence and properly investigate the accounts in question. I have been suffering extreme XXXX  because of their actions and now future hardships because Experian, XXXX, and XXXX are refusing to remove negative items on my account within a timely matter. I cant buy a new home or use my VA Loan, I cant purchase a new Car which makes it hard to get me and my children around and also its having a great effect on my credit score which makes it hard for me to obtain any type of business loans. Again I feel like i did everything i can to follow the law and do everything the right way but at this point i feel that filing this complaint is my last resort to end these continuing and persistent stall tactics thats now having a profound inpact on my personal life. In this letter i will attach all of my documents that I sent in along with certified mailings with the receipt from each credit reporting agency with each certifying agent signature.

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