Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: SC
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:
Experian, I am a living human being and this document has been prepared by myself XXXX XXXX XXXX XXXX.on XXXX XXXX  @ XXXXXXXX XXXX  using my laptop having no aide from outside sources other than what is readily available on the internet. 
This document is to stand as a final attempt by myself XXXX XXXX XXXX XXXX to have the Cra ( Experian ) stop the knowing or unknowing abuse and the violations being committed by you as a CRA In previous responses ( wich I have printed of as reference should this document fall of deaf earsand eyes ) your company employees have responded that you all follow the fcra for that is the laws you are bound by.I will show you and my attorney ( who I will send a copy of this document to as well ) thattho that may be the case in wich you intend your employees to carry the face of your company, it is not the case. There are several instances that I will site where I can show the dispute the response from Experian and reference that Against any of the bodies of law that your company and the data furnishers are to follow and it plain black and white it is visible that the law was not followed yet you continue on anyway with the updating of a nfile that has blatantly in the open violated my rights. 
Instance # 1 I made it very clear that I was disputing the fact that your listing of the file did not match that of XXXX and that, that is grounds for a reinvestigation, there was never a reinvestigation don and if so I was definatly not told within the 5 days of it and there was certainly nothing done or updated to ensure that the files matched because the file has been deleted off of XXXX. 
***The South Carolina consumer protetection laws, the federalFacts act, and the fcra all state that the information shared ON MY CREDIT REPORT IS TO MATCH ACROSS ALL BUREAUS OR YOU MUST UPDATE THE FILE TO MATCH OR DELETE THE FILE THOSE ARE YOUR LAWS BUT YET YOU CONTINUE TO UPDATE THE FILE WICH MAKES THIS AN ILLEAGLE VIOLATION OF MY RIGHTS BY YOUR COMPANT IN PLAIN BLACK AND WHITE!!! This is a quote from THE CFPB Consumer advocates further argue the NCRAs have a systemic bias that defers to furnishers recordsin determining whether or not disputed information is accurate. They note that if a furnisher verifies previously reported information as accurate, the NCRAs will generally accord such a response greater weight than the consumers claims that the information is inaccurate. Likewise, when the furnisher responds that the account should be modified, deleted, or deleted due to fraud, the NCRAs generally implement these responses as received. The advocates argue that NCRAs do not independently validate information contained in furnishers records. 
THIS IS CLEARLY THE CASE HERE. 
INSTANCE # 2 today is XX/XX/2022 I called Experian today and lodged 2 disputes that are not frivolous because they have in black and white violated my rights, but Experian employeefeel that they are above following the law on each and every dispute or claim of wrongdoing by a consumer.so they ndo their will against the consumer with XXXX regaurd to the affects this will have against the consumer in wich credit file they are dealing with. Experian has shown that by the fact my dispute was not fivouls in the least in under three hours they had posted the results to my dispute as updated.According to the FCRAand the FACTS ACT, and South Carolina consumer protetction act there is to be a reasonable investigation as to my dispute and the CRA states may take up to 30 days to complete 3 to4 hours is not enough time for any investigation as to the facts or merit if my dispute could have been done.There fore to any intelligent human and I would like to think the person reading thi9s is in fact intelligent, they can see that once again Experian employees have violated the rights afforded me by the governing laws that the CRA Experian has repeditivaly claimed to be bound by INSTANCE # 3 I will show that According to the FCRA, FACTS ACT AND CONSUMER PROTETCTION ACT that a consumer may formally request and must be provided within 15 days any and all evidence used against him or her in the decision making process of a dispute, and if the creditor does not provide said evidence then the consumer may ask for the file to be deleted on grounds of an FCRA VIOLATION I have done just that and formaly requested the evidence that XXXX XXXX said that they used against me in making their decision on a dispute by stating that they reviewed the calls and found no merit to my claim, apon them mentioning have reviewed those calls in turn makes those ccalls ev idence used against me wich makes them requestable for re iew by all futher more as one of the parties that is on the calls should be entitled to by right but they refused to provide me the evidence being the calls or any thing else wich according to the FCRA I am legally within my rights to have that file deleted on the grounds that the creditor committed a violation against my rights provided to me by the FCRA FACTS ACT AND THE SOUTH CAROLINA CONSUMER PROTETCTION act but the employees of Experian have chose to disregard the laws that when it suites them the say they are bound by This quote is from an Experian XXXX response to a compliant and formal request for evidence this shows the refusal wich by laws that Experian is bound by should have had this account deleted from my credit file months ago the other credit bureaus have followed the law but Experian is the only one that does not abide by the law XXXX  this is quoted from a response to a complaint and formal request for evidenceXXXXOn XX/XX/2022 Complaint number is XXXX Regarding your claim of an XXXX customer service agent being unprofessional and providing inaccurate information regarding how the account would report to the CRAs following the settlementXXXX XXXX telephone records were reviewed, and we can not substantiate those claims. Additionally, your request for XXXX call recordings related to this complaint will not be provided Showing this to Experian I should hope that the statement made by the creditor in black and with in ferfranced complaint number should once and for all Show all who read this document that myself XXXX XXXX XXXX XXXX is within the rights provided to me by all of the consumer protetction laws of the FCRA, FACTS ACT And the states in wich I resides consumer protetction act laws THE XXXX XXXX FILE SHOULD BE DELETED FOR VIOLATIONS OF THE CONSUMER PROTETCTION ACTS AND FCRA <AIMED INPARTICULAR IN VIOLATING MY RIGHTS AFFORDED BY SAID BODUES OF LAWS THAT GOVERN ALL # OF THE MAJOR CREDIT REPORTING BUREAUS ..THE LAWS IN EACH MENTIONED BODIES

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