Consumer complaint received 2016-04-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Case number : XXXX was not " specific '' enough in Experian 's partial response today. So, let me get right to the incorret address issues, specifically, in greater detail. In many complaints ( and that one specifically ) " addresses '' other than the one they mailed my current report to in XXXX XXXX are wrong. Moreover, how did they get there to begin with? Specific number XXXX : there is " XXXX '' address which is wrong simply because my street is not in that city. A simple XXXX search will verify it. I identified the furnisher of the " XXXX '' address as being the same firm as the furnisher of the other incorrect address in " XXXX XXXX ; '' through XXXX different vollection agencies, both wrong by giving XXXX different cities in XXXX as valid. Despite the original creditor mailing all their own bills to my current address since XXXX, they knowingly provided their collection agencies with false addresses. XXXX told me phone ( after Experian told me by phone that XXXX was the furnisher in XXXX ) they did furnish the " XXXX XXXX '' address, received still on a report mailed this past week. The third address error was the " XXXX, MI '' address which has been on my credit reoprts for decades. I asked how it got there. Experian has no clue how it got there. I disputed it in the past to no avail. There must be a furnisher in their archived records! It is like a tombstone in its immobility. After all, they just told me in XX/XX/XXXX by phone who furnished the XXXX XXXX address a decade earlier. So the other XXXX from two decades should be there too. The specificity that Experian feels it requires from me in my said complaint is not matched by the specificity I need from them ; as to the furnisher 's ability to put these addresses onto my credit report for decades, with no verifiability whatsoever. ALL addresses that are not precisely the very address I have had since XXXX and have still in this month of XXXX, and have received all credit reports from all along, are wrong. But, it is I who want specifics about each one ; the " XXXX, MI, '' specifically. Is that specific enough for Experian 's liking? In each CFPB complaint about Experian I submitred and by my using the word " addendum to complaint ... '' and by me citing a specific footnote out of many pages in a .pdf seems pretty specific to me. I am also providing context for my complaint with such specific footnotes as in the " XXXX '' case. If Experian wants more specifics, I will start scanning all the disputes over all the years about these wrong addresses, that partially remain unresolved to date. Would that specific information help? I doubt it. After all, in Experian 's initial communications and responses to my address disputes through CFPB, a blanket denial that my valid address was ever furnished by an creditors as a basis to deny me my free credit report - by computer, phone or mail - was false. I persisted and suceeded in getting a mailed copy ; after a second comlaint to CFPB, much later than the other XXXX free reports by XXXX and XXXX. Specifics are not the problem, Experian, except where your answers to my complaints are concerned. Dig deeper ; you will then finally answer the " XXXX, MI '' address dispute with as much detail as you require of me. Lead be example. Be specific. Who furnished that address to you, specifically? When, specifically?

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