Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent Experian a dispute letter by Certified US mail (  XXXX   XXXX   XXXX   XXXX   XXXX  ) to dispute " the ONLY  XXXX  items '' on my credit. They did not respond within 30 days. I called and spoke with several managers to no prevail. Spoke with a manger by the name of "  XXXX  '' and he told me he could see that they received that letter  X/XX/2017    but they must have misplaced it. I told him I was going to turn this matter over to an attorney.  XXXX  then told me to give them until Monday,  XXXX   XXXX  no later than Tuesday,  XXXX   XXXX  to have the  XXXX  items deleted from my credit report and to please not contact an attorney. I waited until  XXXX ,  XXXX   XXXX  and the  XXXX  items are still on my credit. Called back and spoke with another manager by the so called name "  XXXX   XXXX  '' who was rude, argumentative and insulting. He told me that the letter i sent could have been " any kind '' of letter, insulting my intelligence because it 's clear the letter was sent to the " DISPUTE DEPARTMENT ''  XXXX   XXXX  then lied and said they already responded to my dispute letter and also said he would put in my notes/file that this situation has already been taken care of.  XXXX   XXXX  then told me to stop calling. I also sent a follow letter CLEARLY STATING it is a FOLLOW UP LETTER to let them know they have not responded within the 30 days. NOW experian is trying to use my FOLLOW UP letter as an initial letter to give themselves another 30 days. smh I have sense called back and spoken with a manager by the name of  XXXX  who took my information and said she would look into trying to get the  XXXX  items deleted and she never called me back. I called today AGAIN  X/XX/2017    spoke with a employee who tried to get her manager and  XXXX  on the phone AGAIN on hold fo r 45mins. Neither one of t he managers came to the phone. The employee then asked for my phone number AGAIN and said  XXXX  the manager will give me a call back. I am now seeking legal actions. This has stressed me out beyond belief having to call from work over and over again being put on hold f or 45 min s at a time. Not being able to get a car for work and a place of my own to live because of the " ONLY  XXXX  items '' on my credit report. I am suing for defamation and intentional infliction of emotional stress and whatever other damages i can sue for. Instead of them simply correcting this issue and taking responsibility for not responding within the amount of time allotted by LAW, they chose to ignore the issue, LIE, give me the run around and stress me out. I also have several RECORDED conversations between the managers and I. I made sure to inform them at the beginning of the calls that the calls were being recorded. I have also attached the letter that I am sending to their corporate office.

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