Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have to start off by begging you to not let Experian just give a bogus answer, or put in for a 60 day extension to answer. They have already had more then enough time to address these issues. 

Experian is still up to practices that are against the fair credit reporting act. Experian keeps ending disputes, without having answeres. Over the past 151 days, I have been dealing with Experian over misrepresentation of my credit profile. When I started out Experian had 17 different social security numbers reported I finally have that issue resolved 34 addresses this issue is 80 % resolved 49 different names this issue is about 90 % resolved and 30 different linked accounts, that did not belong to me. 

A few of the accounts where taken care of easily, not by the work Experian did, but by the work that I did. I went out, I seeked the information, I sent the information, I took care of it using my personal assets, and time. I had to because Experian would not! 

When my dispute originally went in, and I spoke to a supervisor, she stated she had no idea how the merged file happened. They unmerged the file, but not the information that was connected to the other party. My disputed where closed out the first time with that. They closed them, and restarted, and modified them. 

They restarted the disputes, and I got down to the last week. All of the sudden all of the information from all the companies came in at the same time, and all the disputes where closed out. I called them again, and was informed that they where closed by the back office no one provided me with an answer on whom responded, just that they closed out. I was apologized to again, and the disputes where reopened. 

A week before that dispute ended, they where closed out again. Upon calling in I was told that 3 of the item bankruptcys where closed because they received information from a third party vendor. I called the 3rd party vendor, XXXX whom stated their last reporting was XX/XX/18. I called Experian back 13 times that day, and was told 13 different companies. I contacted all of them, and what a giant surprise none of them reported it. Upon calling them back, they once again apologized, and restarted the dispute. This restarted the 30 day countdown AGAIN! Since that time they have been stopped, and restarted 11 times. Each time it has happened, no one knows who reported it now. 

I was told by a supervisor that since I filed a complaint with the CFPB that they where just going to keep doing it. Basically telling me because I dared to file a complaint that they where never going to remove the information off my report. Today, another dispute was canceled out a XXXX miracle that 11 companies all answered again at the same time, to end all of the disputes. All 11 of them had no information on who, or what verifyed. All 11 the person said must have mistakenly been closed out. 

The 11 where restarted ONCE AGAIN with a giant surprise all 11 of them are now restarted at 30 days. 

This is at the point where someone needs to step in. They can not be allowed to give a bogus answer, or a 60 day extension to continue to make my life miserable over daring to file a complaint.

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