Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I understand that a compliant was just filed on this exact company. Considering new information this matter needs to be settled immediately. By law EXPERIAN are required to investigate anything that is furnished on my consumer reports. FROM XX/XX/XXXX to XX/XX/XXXX EXPERIAN has concluded that this XXXX XXXX XXXX was Verified AND ACCURATE by third party credit reporting agent XXXX XXXX. I conducting as thrall investigation with XXXX XXXX, in which the company stated they have NO RECORD OF XXXX XXXX XXXX. OVER the YEARS EXPERIAN has failed to share what method was used to investigate this XXXX XXXX XXXXXXXX and how the company concluded that this PUBLIC RECORD is accurate account? I'm aware that EXPERIAN abusing the FCRA law has caused damage to my character and credit file by the company allowing unverified XXXX XXXX XXXX along with other fraudulent accounts to remain on credit. XXXX XXXX XXXX, chair of the House Select Subcommittee on the Coronavirus Crisis, asked the CFPB to investigate Experian, XXXX, and XXXX for allegedly failing to address consumer disputes during the pandemic. CFPB reported then that 4.1 % of complaints were resolved in XXXX, compared with nearly 25 % of complaints in XXXX, before the pandemic. The subcommittee found that Experian corrected 52 % of late payments, and other bad data each year from XXXX through XXXX. As a consumer how can I trust EXPERIAN to conduct a thrall investigation and delete negative items. 

Compliant XXXX COMPANY RESPONSE : Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

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