Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CASE NUMBER # XXXX EXPERIAN REPORT NUMBER # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX ACCOUNT # XXXX ACCOUNT # XXXX My name is XXXX XXXX XXXX having difficulty submitting new disputes, receiving response of investigation results from CRA Experian, Im seeking help from the CFPB and THE FTC because Ive tiredly with so many fail or turnt down attempts to contact Experian wether through telephone communication where when I start to ask about my Rights Under The FCRA or GLBA they would simply just hang up or tell me I have no rights and theres nothing I can do or if I submit a dispute though Mail through certified usps mail Experian will Negligent AND ignore my request, IVE REQUESTED IDENTITY THEFT ACCOUNT ( S ) BE DELETED AND BLOCK FROM MY CONSUMER REPORT XX/XX/XXXX, EXPERIAN SENT ME A NOTICE NOTIFYING ME AFTER HIS/HERS INVESTIGATION EXPERIAN HAS BLOCK AND DELETED THE ACCOUNT, SEVERAL MONTHS PAST ALMOST A YEAR IVE LEARD THAT EXPERIAN UNLAWFULLY REINSERTED THE FRAUDULENT ACCOUNTS BACK ON MY REPORT XX/XX/XXXX ( ( WITHOUT NOTIFYING ME WITHIN 5 DAYS OF REINSERTED ITEMS BY LAW ) ), IVE ASK EXPERIAN KEY EVIDENCE AND SUPPORTING DOCUMENTS OF ACCURACY THAT THIS ALLEGED DEBIT BELONGS TO ME, EXPERIAN STILL HAVENT RESONDED TO MY REQUEST, ( A ) Experian need to Provide the validation of certification of the permissible purpose document that CRA experian should of certified when selling my report / none public information to XXXX XXXX 1 . Please provide proof of your timely procurement of certified documents 2. Please explain to me what your representatives uncovered to lead them to believe that you are reporting these items as it legally should be reported ; 3. What certified documents were reviewed to conclude your investigation and reinvestigation? 
4. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation and reinvestigation ; 5. What did it cost your company to obtain the documents needed to complete your investigation and reinvestigation? 
6. Please provide proof of your timely procurement of certified documents ; 7. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
8. If you reply YES to the above ( 6 ), then : a ) Who did you speak with? 
b ) What was the date? 
c ) How long was the conversation? 
d ) What was their position? 
e ) What number did you call? 
f ) What is the name of your employee that spoke directly to the above party? 
g ) What is the position of your employee that spoke to the above party? 
h ) How long has that individual been employed by your company? 
i ) What type of training was provided to this employee in order to investigate items of this kind? 
j ) Were there any emails or written communications between employees of your company and the above party? 
9. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation and reinvestigation of the account ( s ) in question ; 10. Please provide the date of the commencement of delinquency ; 11. Please provide the specific date reporting of this item will cease.

12.

The Federal case law states the following : " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something

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