Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I know CFPB is one of those bureaus who does not even read the complaints sent by consumers. From my past experience with CFPB complaint, I fully understand and realize that CFPB does not care about individual consumer complaints nor it tries to solve the complaints. I fully realise that CFPB is just a show-off - fake organization to fool the general consumers/people. 

EXPERIAN is probably the most corrupted credit bureau on the face of this earth. From my past understanding, they would do nothing but post me a copy of my credit report. My credit score is my ASSET. And I believe that no one has the right to damage my asset. But unfortunately this is been happening and it is coming from Experian repeatedly. Everytime I make any phone calls to Experian, the call goes from XXXX. And from my understanding and past dealings with Experian, Experian would come up and say they have no records of any phone calls although all calls get recorded at their end. And that's where the corruption sits. This kind of corruption is a detriment to people 's assets and lives. 

I have tried to communicate with Experian via CFPB last year on a different issue, and Experian responded after 60 days via CFPB platform stating this - " Call Customer Service '' ... this is like Corruption at it's MAX. And CFPB did nothing about it. I guess CFPB is corrupted too. It's funny, how I am now writing a complaint about a corrupted bureau to another corrupted bureau. 

On.XX/XX/2019 I noticed there was a 16 point decrease in my Experian Credit Score . I am well aware that a credit score by itself can not be disputed but I understand that something has to trick for any credit scores to fluctuate. I called Experian ( disputes department ) to confirm if any dispute remarks have been added to my credit report. The representative confirmed me that XXXX XXXX XXXX has RE-ADDED two separate dispute remarks from past in my credit report. I realized that was the only reason for my credit score to decrease by 16 points all of a sudden ( because this exact same thing happened in the past when XXXX XXXX first added those two remarks ) because there was no other negative implications on my credit usage. I reminded the representative that the earlier disputes has been resolved and therefore those two remarks should be again removed from my report. The representative confirmed me that he has processed the request. But I never received any confirmation via email/mail which would indicate that I have asked Experian to remove those two remarks. I again called Experian ( approximately 5 times ) on XX/XX/2019 and asked to speak to a manager to get an update. Every single time I called, I had to hold the call for 30 minutes and the representatives refused one after another to transfer the call to a manger. On the fourth call, the representative confirmed me that his manager is waiting on the call and is transferring the call and then surprisingly he goes ahead and put on some " romantic, XXXX type song '' on the phone. After numerous tries, a manager finally came on the phone and informed me that there is no phone activity recorded/reported from XX/XX/2019 that shows in my report and then there are no current dispute remarks on my credit file. 

I don't understand who is saying right and who is saying wrong on the phone conversations. I am convinced those remarks were re-added ( as confirmed by the rep on XX/XX/2019, ) otherwise a score can not drop on XX/XX/2019 by 16 points all of a sudden in one shot. I am here dealing with some corrupt individuals/officials from a corrupted credit bureau. I can't stop XXXX XXXX from continuous re-reporting of misleading remarks to my Experian account but Experian should be clear in what they are stating. My credit score is at stake and I reasonably believe that the fairness of the Experian report and the score has been deliberately compromised by Experian itself.

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