Consumer complaint received 2020-05-29
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: Was not notified of investigation status or results

Complaint:
This is a reply to Experian response to a CFPB complaint. THIS IS NOT A DISPUTE BUT A COMPLAINT ABOUT THEIR VIOLATION OF THE FCRA IN HANDLING A PREVIOUS MIALED IN DISPUTE. THIS IS THE XXXX TIME EXPERIAN REFUSES TO RESPOND TO THE SUBSTANCE OF MY PREVIOUS XXXX CFPB COMPLAINTS. THEIR RESPONSES HAS ABSOLUTELY NOTHING TO WITH THE SUBSTANCE OF THE INITIAL AS WELL AS THE XXXX & XXXX COMPLAINT SO I WILL DO A FOURTH CFPB COMPLAINT FOR THE SAME MATTER ON THEIR VIOLATION EXPERIAN HAS THE AUDACITY TO SAY we reviewed and considered the information you have supplied through CFPB portal, your complaint regarding ypur reinvestigation does not appear to have been sent directly by you or to be authorized by you. So as a precautionary action we have not taken any action on the request. OF FCRA 611 ( A ) ( 1 ). This again is in response to Experians reply to my Complaint # XXXX XXXX on XXXX XXXX & XXXX Complaint # XXXX on XXXX ). Now my CFPB complaint # XXXX was in response to Experians reply to Complaint # XXXX, on XX/XX/XXXX. Both of my Complaints were addressing specifically, EXPERIANS VIOLATION OF THE FCRA SEC. 611 ( A ) ( 1 ) This violation Experian committed for failing to start an investigation that stemmed from EXPERIAN NOT STARTING OR COMPLETING A INVESTIGATION IN 30 DAYS AFTER RECEIVING MY DISPUTE LETTER DATED XX/XX/XXXX. THIS DISPUTE WAS MAILED VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX AND SIGN AND RECEIVED BY EXPERIAN ON XX/XX/XXXX. In the XXXX complaint I filed # ( XXXX ), XXXX CFPB Complaint # XXXX, and now a XXXX Complaint # XXXX, Experian replied and I quote 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 end quotes. On the XXXX complaint # XXXX where I replied to there response from # XXXX complaint by pointing out Experian not addressing the violation stated, then I repeated the substance of the initial complaint which was their failure to investigate a dispute letter with in 30 days. This dispute letter was certified mail # XXXX XXXX XXXX XXXX XXXX in which the signed and received it on XX/XX/XXXX, this is day XXXX of the XXXX days. There was no investigation or response during XXXX days, which I can prove when I take legal action. Experian responded to the XXXX, XXXX, and XXXX complaint is word for word identical on all XXXX responses. Nothing in my CFPB complaint # XXXX and following complaints 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 XXXX 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 use and complaints. So I reject your baseless response to CFPB complaints Why is Experian telling me how to obtaining an Credit report and how to do a dispute. Nowhere in myXXXX, XXXX, or XXXX complaint did I ask them about obtaining a Credit Report and instructions on how to correspond to Experian. THIS WAS THEIR RESPONSE TO VIOLATION OF FCRA SEC. 611 ( A ) ( 1 ) IN CFPB # ( XXXX ). AGAIN FOR THE XXXX, EXPERIAN DID NOT DISPUTE MY CLAIM OF THEM RECEIVING MY DIISPUTES LETTER AND FAILING TO INVESTIGATE THE ACCOUNTS IN QUESTION. AGAIN FOR THE XXXX TIME FOR THESE SPECIFIC VIOLATION, IVE ASK FOR IMMEDIATELY DELETION OF XXXX. PUBLIC RECORD XXXX. ANDREWS-FCU # XXXX XXXX. BANK XXXX XXXX # XXXX XXXX. XXXX PROFESSIONALS XXXX XXXX. XXXX BUT SINCE EXPERIAN WILL NOT ANSWER THE SUBSTANCE OF THE PREVIOUSE XXXX COMPLAINTS AND KEEPS TALKING ABOUT THINGS THAT HAVE NO BEARING ON THE FACT THAT EXPERIAN SIGNED AND RECEIVED MY COMPLAINT ON XX/XX/XXXX AND DID NO INVESTIGATION ON THE ACCOUNTS LISTED ABOVE. I WILL SERVE EXPERIANS REGISTERED AGENT WITH LEGAL ACTION. THE ONLY WAY TO STOP THE LEGAL PROCEEDING IS TO DELETE THESE NEGATIVE ACCOUNTS UPON RECEIVING THIS FINAL COMPLAINT WHICH WILL BE USED IN COURT TO SHOW EXPERIANS WILLFUL AND HARMFULL NEGLIGENCE. CFPB please take note XXXX will upload documents again that Experian is in possession of so they have been in the know of the errors and inaccurate reporting. Experian please be caution of your response, to your violation of FCRA 611 ( A ) ( 1 ) under these violation all you can do is DELETE ACCOUNTS there is no other suitable outcome other than financial if we go to court.

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