Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: NJ
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:
This complaint is in response to Experian 's response to CFPB complaint # XXXX. Their response absolutely makes no apparent sense. The initial complaint arose out of my disputes letters mailed via certified mail # XXXX XXXX XXXX XXXX XXXX. The dispute letters were dated XX/XX/XXXX and received and sign for by EXPERIAN on XX/XX/XXXX, this fact is un-disputable and is well documented via the U.S. Postal Service. Along with the dispute letters mailed via certified mail, I submitted corresponding documentation for each account being disputed. THE DISPUTE LETTERS WERE NEVER INVESTIGATED AND NEVER COMPLETED WHILE THEY WERE IN THE POSSESSION OF EXPERIAN. THIS IS THE REASON I FILED CFPB COMPLAINT # XXXX, and along with it the same XX/XX/XXXX dispute letter with the supporting documentation through the CFPB portal proving the inaccuracies and the and falsehood of the accounts and public records in question. EXPERIAN 'S response to my CFPB complaint # XXXX and I quote " WE REVIEWED AND CONSIDERED THE INFORMATION YOU HAVE SUPPLIED THROUGH THE CFPB PORTAL. YOUR CFPB COMPLAINT REGARDING YOUR REINVESTIGATION DOES NOT APPEAR TO HAVE BEEN SENT DIRECTLY BY YOU OR TO BE AUTHORIZED BY YOU. AS A PRECAUTIONARY MEASURE, WE HAVE NOT TAKEN ANY ACTION ON THE REQUEST. '' nothing in my CFPB complaint # XXXX leads to any inclination that the complaint was not sent by myself. Everything I stated was factual and specific. This I know is a stall tactic use by EXPERIAN when they do not want to answer a complaint. All my CFPB complaints will be used in upcoming litigation and I'm sure any Judge presiding will not reach the same conclusion EXPERIAN did in regards to EXPERIAN 'S refusal to answer this CFPB complaint as required to so by the FTC. This also won't change the facts that the FCRA violations already occured on the 31st day of the XX/XX/XXXX dispute letters where EXPERIAN FAILED TO INVESTIGATE AND COMPLETE MY DISPUTES. So I will assure you, this CFPB portal is mines and I used my credentials and this account was verified as mines years ago by the CFPB This also can be proven in my upcoming litigation. CFPB has a complete history of my portal useand complaints. So I reject your baseless response to CFPB complaint # XXXX, You just didn't wa n't to answer the complaint. So I will list the complaint over again in this complaint. So Here we go are you ready ; - On XX/XX/XXXX I mailed via certified letter disputes for public record information being reported on my credit report as well as negative information for accounts being reported by Experian. Experian received my dispute along with supporting documentation on XX/XX/XXXX. It has been well over 30 days and Experian still has not started or even responded to my request for reinvestigation, and it is now the end of XXXX. They are now in violation FCRA for failure to reinvestigate and and continuing to report false and inaccurate information. 1. The first dispute EXPERIAN FAIL TO INVESTIGATE IS A PUBLIC RECORD, which they list a 3rd party as a furnisher of information when they are not and had no knowledge of any investigations performed on behalf of Experian. 2. They failed to investigate specific disputes for accounts Andresw XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX After signing for for my disputes no investigation was ever started nor was I given a reason as to why. Experian never replied or reinvestigated my public records dispute after supplying them with documentation of there false reporting. Experian never open started or investigated my public record disputed that they sign for on XX/XX/XXXX, XXXX nor did they investigate negative account information after I submitted supporting documentation There are multiply FCRA violations going on here, as well as in my Credit Report 1. The furnisher for the Public Record listed on my report says that they are not furnishing anything to Experian involving my name, I have proof of that. 2. Experian is listing incorrect and a false information as well as a false furnisher of the information in public record section of my credit report. 3. Experian did not provide me with original documentation proving their investigation or result. They did not provide me with the Method of verification documents I requested. 4. They did not do a proper investigation according to FCRA 5. Experian was in violation on the 31st day after failing to investigate The FCRA is very clear on the way disputes are to be handle with the furnisher of the information that it originated from and the Credit Bureau must accurately list that furnisher of information on the credit report. The 2 entities that they did list don't have the the legal right to furnish or verify any information or do any investigation. Is is also clear as to negative account that can not be verified and that there is 30 days to complete a reinvestigation, which EXPERIAN DID NOT DO HERE. Enclose is the original disputes along with some of the supporting documents, even though Experian already has a complete set notice the dispute letters are hand written and supporting documents errors are highlighted in yellow.

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