Consumer complaint received 2018-01-29
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX deliberate attack to cause me immediate and imminent harm as retaliation against recent complaints I have filed. 

History of facts : On XX/XX/XXXX I filed a complaint with the CFPB disputing inaccuracies of XXXX XXXX furnishing of information on my credit reports to Experian, XXXX and XXXX. 
My claim included factual documents of previous times XXXX XXXX refused to fix inaccuracies they were furnishing on my credit reports, which only after months of persistence on my part did XXXX XXXX ADMIT to their errors. ( documents were provided supporting my claim ) On XX/XX/XXXX, I filed another complaint against XXXX XXXX with the CFPB ; case # XXXX this time with an affidavit from XXXX XXXX ( the co-applicant of original account ) admitting he reopened the card without my permission and knowledge. I also included an affidavit from myself to support my claim. 
Both affidavits are material facts that can not be ignored. 

My Experian, XXXX and XXXX Credit reports confirmed XXXX XXXX updated the following : On XX/XX/XXXX : XXXX XX/XX/XXXX updated my balance at {$4400.00} and current was past 30-days in XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX   reported to Experian, XXXX and XXXX   the following : Balance {$4100.00} and Current, was past due being 30-days in XX/XX/XXXX On XX/XX/XXXX ; XXXX XXXX reported to Experian, XXXX and XXXX the following : Balance {$4100.00} current, was past due 30 days XX/XX/XXXX On XXXX XXXX ; XXXX XXXX   reported to Experian , XXXX and XXXX   the following : Balance {$4700.00} and Past due 30 days two times XX/XX/XXXX & XX/XX/XXXX On XX/XX/XXXX ( IN BETWEEN REPORTING CYCLE ) XXXX XXXX reported to Experian , XXXX and XXXX the following : Balance {$4800.00} Past due 60 days Dropping my Experian credit score from XXXX to XXXX On XX/XX/XXXX XXXX XXXX again updated my account with the Credit Bureaus BUT DID NOT ADD any new information ( my credit score dropped another 12 pts. from XX/XX/XXXX ) On XX/XX/XXXX received a response through XXXX that XXXX XXXX claims they are still investigating We have reviewed your complaint along with the information you provided regarding this issue. In order to preserve your rights under the FCRA, we have opened investigations into the disputed items and contacted the source ( s ) to advise them of your dispute. They will verify the accuracy of the item ( s ) and inform XXXX of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : XXXX for frequently asked questions about your credit report As of XX/XX/XXXX I have not received any type of correspondence from XXXX XXXX or the credit bureaus. 

So heres my questions : Since we all know XXXX XXXX & the Credit Bureaus must respond to disputes in a timely manner according to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and they MUST provide me with an update once a decision has been made within 5 days and it is clear XXXX XXXX updated the disputed account on XX/XX/XXXX, ten days ago, ( double the time allowed ) why have I not received a timely update by XXXX XXXX, Experian, XXXX and XXXX? 

As a result ; XXXX XXXX, Experian, XXXX and XXXX are all AGAIN in violation of the FCRA. 
2. Why is an account that is disputed, that has two affidavits supporting the balance and status of the XXXX XXXX credit card account does not legally belong to me, does XXXX XXXX continue to defy the law and knowingly furnish inaccurate information and why do Experian, XXXX and XXXX allow them to violate the law? 

I believe XXXX XXXX has deliberately reported incorrect negative information to the credit bureaus to cause me as much financial harm as possible. This is more evident that XXXX XXXX re-furnished identical information on XX/XX/XXXX and XX/XX/XXXX. and more evident since XXXX XXXX is aware of the closing I have ( had ) next week. Which at this point will have to be cancelled. 

I am requesting for the XXXX XXXX Credit card balance and late status in XX/XX/XXXX and XX/XX/XXXX to be removed immediately. This will be my last request on this subject, I can assure you I will file a civil claim against XXXX XXXX, and for being complicit in XXXX XXXX deliberate violation ; Experian, XXXX and XXXX, if this is not IMMEDIATELY update correctly. 
*Note to XXXX XXXX : my sister happens to be a supervisor in the accounting dept. with a large bank and has the highest security clearance ; you do NOT want to go through the discovery process with me.

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