Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On, XX/XX/2022, I applied for credit with XXXX XXXX. Their response was for me to call to verify my identity. When I called, I couldn't be verified because my phone number didn't match what was on the fraud alert. Therefore, I submitted my first dispute to Experian on the XXXX ( Report # XXXX ) asking to update my phone number. However, the results didn't go in my favor. So, I submitted a second dispute ( Report # XXXX ) for the same issue on the XXXX. Received response on the XXXX, " If our reinvestigation has not resolved your dispute, you have several options : You have the right to add a statement of up to 100 words to your report. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to Experian including this information in every credit report we issue about you. 

You may contact the company that reports the information to us and dispute it directly with them. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly.

You may provide us additional information or documents about your dispute to help us resolve it by visiting www.experian.com/upload. You may also mail your information to Experian, XXXXXXXX XXXX XXXXXXXX, XXXX, Texas XXXX. 

You may file a complaint about Experian or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney Generals office. You may submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX po box 4503, Iowa City , IA 52244 . 


If there has been a change to your credit history resulting from our reinvestigation, or if you add a consumer statement, you may request that Experian send an updated report to those who received your report within the last two years for employment purposes, within the last six months for any other purpose ( the past 12 months for residents of Colorado, Maryland or New York ), or within the last year for any non-employment purpose under the California Investigative Reporting Agencies Act. If you send a request to have your results sent to past recipients of your credit report, please designate the organizations name and address. In the event an organization is not specifically designated, we will generally default to sending only to companies that have requested your credit information as a result of an action you took, such as applying for credit, insurance, employment or apartment rental. 


If you request to have your results sent to past recipients of your investigative consumer report, you have the right to designate which entities you wish to receive the updated report and which entities you do not wish to receive the update. 


If interested, you may also request a description of how the reinvestigation was conducted along with the business name, address and telephone number ( if reasonably available ) of the furnisher of information. 


For frequently asked questions about your credit report, please visit experian.com/consumerfaqs. 


Thank you for helping ensure the accuracy of your credit information. ''

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