Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
Back in XX/XX/XXXX ( they have it reported as XX/XX/XXXX ) I had a business related credit card charge with XXXX that was settled separate from my personal file. In XX/XX/XXXX I had a  derogatory show up in my personal credit report ( Experian ) from a business related bankruptcy with that subject charge. In late XX/XX/XXXX I contacted Experian and spoke to a " special services representative '' in charge of my file named " XXXX '', the offending information was taken out of my credit file in early XX/XX/XXXX. In XX/XX/XXXX I got a  credit alert from my fraud software that said my credit score had gone down 50 points. I contacted Experian to complain of two things. 1. ) Experian reposted something that was reposted into my credit file without giving me notice within ( 5 ) working days. 2. ) I  disputed the derogatory a total of ( 5 ) times since with certified return recipe requested and was not formally answered but one time in the first round of request to remove. The new special services representative assigned to my file is XXXX XXXX XXXX, and I called him a total 12 times and left messages with his voice mail 3 times and he would n't return my calls except once. I called him at XXXX he was none responsive and rude and refused to help me, only continue to re-investigate my complaint over and over and over again as a harassment technique according to XXXX in a recorded phone conversation on XX/XX/XXXX that lasted 11:53 minutes, also when I told XXXX I was recording his game, he got mad at me for recording him I stating he was n't the only one who could record conversations. I asked one of my office supports to contact Experian and follow my complaint process and she created and sent some documents she should n't have, she has since had her employment terminated with us. Total spoke to XXXX XXXX XXXX and two other phantom people who would not identify themselves from the " Special Services '' division of Experian. I have been treated with disrespect and made to feel like I 'm being prejudiced by all the people I 've been in contact with, two XXXX males and one XXXX female. When I spoke to one of the phantom persons who called me back from Experian in response to calling XXXX XXXX 's Supervisor XXXX XXXX XXXX ( I 've called her 9 times and left messages with no response back at XXXX ) - he stated the derogatory in question has alway been on my credit report, which is a bald faced lie. This is a failed attempt by him/them trying to cover their rears on the ( 5 ) day repost notification and he had no response to the ( 4 ) formal request I have made to have the offending information removed except for an initial response. These people treat you like you are subhuman if you are not the same race as them and refuse to remove derogatory information even when you catch them breaking the statute. These people have further done something to cause my credit score at Experian to even today to cause the Experian score to drop another 20 points by manipulating their fair Isaac credit scoring system when nothing has changed in my credit file. These people are clearly retaliating now for me advising them of my complaint today to the CFPB. I have copies of my credit reports before, during and after the deletion and reposting of the offending data.

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