Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: NY
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:
REF : Experian Credit Report XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XXXX Date : XX/XX/XXXX To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed above Your cooperation and prompt attention are greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$1200.00} Highest Balance {$500.00} Terms NA On Record Until XX/XX/XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX Closed Contact Info Address XXXX XXXX XXXX, XXXX DE XXXX Phone Number ( XXXX ) XXXX Comment Current : Account closed at consumer 's request and dispute investigation completed, consumer disagrees. 
Previous : None Your Statement Y ITEM DISPUTED BY CONSUMER Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 
XXXX XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$500.00} Highest Balance {$700.00} Terms NA Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX30 Current on payments 30 30 Days Past Due 60 60 Days Past Due XXXX Closed Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$18.00} {$18.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$47.00} {$29.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$74.00} {$29.00} {$29.00} on XX/XX/XXXX XXXX XXXX {$100.00} {$29.00} {$37.00} on XX/XX/XXXX XX/XX/XXXX {$130.00} {$29.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$160.00} {$29.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$180.00} {$29.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$210.00} {$29.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$240.00} {$29.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$260.00} {$37.00} {$54.00} on XX/XX/XXXX XX/XX/XXXX {$340.00} {$29.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$300.00} {$29.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$330.00} {$29.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$350.00} {$0.00} {$29.00} on XX/XX/XXXX XX/XX/XXXX {$400.00} {$29.00} {$36.00} on XX/XX/XXXX XXXX XXXX {$430.00} {$36.00} {$35.00} on XX/XX/XXXX XX/XX/XXXX {$430.00} {$25.00} {$25.00} on XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$500.00} Contact Info Address XXXX  XXXX XXXX, XXXX DE XXXX Phone Number ( XXXX ) XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 
Account closed at credit grantor 's request. 
Previous : Completed investigation of FCRA dispute - consumer disagrees. 
Invalid date, Invalid date, Invalid date, Invalid date, Invalid date

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