Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
This complaint involves EXPERIAN : I submitted the complaint below and experian fraudulently provided the following response, " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' I am requesting Experian provide the bases for their allegation the complaint was not authorized by me. This is another example of Experian 's obfuscation in dealing with credit matters in good faith and validates they are unmitigated liars in all their conduct, on information or belief. Experian appears to represent an ongoing criminal enterprise in which they conspire with the lenders to inflate credit scores, interest rates which in turn negatively impacts the national economy. 
____________________________________________________________________l Previously submitted complaint Experian failed to investigate.

This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported. 

ATTACHMENTS Credit Cards.pdf ( 125.9 KB ) Hide full complaint What product or service is your complaint about? 
PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? 

ISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes What happened? 
This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 






What would be a fair resolution to this issue? 
I am seeking a fair resolution to have all three of the attached accounts reported on each of my three credit bureau reports. All of the cards reflect favorably to my credit score, Without these accounts being reported, my scores are being artificially XXXX  thereby increasing my cost of credit. With 40.5 million people out of work, the three credit bureaus should be doing more to help and assist, but I believe their primary  client, the financial industry are their main concern. 
1 attachment View uploaded documents by clicking on the file name Credit Cards.pdf ( 125.9 KB )  What company is this complaint about? 
COMPANY INFORMATION EXPERIAN SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX ADDITIONAL COMPANY XXXX  SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? 
true ATTEMPTED TO FIX WITH THIS COMPANY? 
Yes ADDITIONAL CREDIT REPORTING COMPANY XXXX  SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? 
Yes ATTEMPTED TO FIX WITH THIS COMPANY? 
Yes What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX United States Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. You also may write to us at the address on your Experian personal credit report. Be sure to include the following information : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions, or postal service forwarding orders as proof of your address and identity. To protect your personal information, Experian requires your authorization for any request on your behalf and we do not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Include the account name and number for any item on your credit report that you wish to dispute, and state the specific reason why you feel the information is inaccurate. The dispute process may take up to 30 days ( 45 days when disputing information in your annual free credit report ). Once we complete the processing of your dispute, we will promptly notify you of the outcome. In addition, there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. 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, TX 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 explanation