Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: NV
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:
My previous complaint went completely disregarded by Experian. The response was, It appears that my complaint was not submitted by me? Not only have I identified myself through this website and in this very complaint, but I have already submitted MULTIPLE means of identification to Experian through means of address, Social Security Number, Copy of drivers license to Experian as well. REFER TO MY Previous validation requests submitted by certified letter on XX/XX/20, XX/XX/20, XX/XX/20 & XX/XX/20 and received by Experian for which I have proof. And Experian continues to play these games. And I will only be corresponding through this website or by mail as I was instructed by one of your customer service representatives and subsequently MY ATTORNEY. I will not stand for this any longer, this is currently becoming a litigious matter. AGAIN, here is my previous complaint .... 

I have already submitted many complaints containing verification on my part of MY identity to Experian regarding the account I am referencing. And my previous complaint with the CFPB ( which yielded nothing ) against Experian was still NOT sufficient and Experian STILL has not performed a reasonable investigation regarding this company. How do I know?? Because the company is CLOSED due to the COVID-19 pandemic hence ; adding the comment on my credit affected by natural or declared disaster the company is located in NEW YORK. Which has been on strict closure orders for the last 2 months. Experian submitted a response to the last complaint with CFPB ( complaint ID XXXX XXXX dated submitted XX/XX/20 ) explaining that they have contacted XXXX XXXX XXXX to verify the information and received the information back from them verifying the account?? How did that work??? WHO VERIFIES THESE ACCOUNTS?? WHAT INFORMATION/DOCUMENTS IS EXPERIAN RECEIVING THAT IS PROVING THIS ACCOUNT IS VERIFIABLE?? And WHERE is MY documentation that I am legally entitled to verifying the VALIDITY of this account?? IE : A signed document containing MY wet signature?? THAT is the law and I have now requested this information FOUR times. And if this account is not verified in this way, I DEMAND that it be deleted according to the law! I will not hesitate to be litigious! Experian is breaking the law! What is the CFPB going to do about this?? What is the point of the CFPB if it is merely a MEDIATOR?? I started sending these requests and received my first response from Experian ( illegally ) and they did not provide me the proper documentation and claiming it has been verified a MONTH before the declared pandemic. The company I am referencing in my complaints with Experian is : XXXX XXXX XXXX ACCT # : XXXX

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