Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have sent certified letters to all creditors to which I have a dispute. My understanding of the FCRA is that the creditor is to note my account to a credit reporting agency as disputed within 31 days of receipt of notice. I checked my credit report with all XXXX credit reporting agencies, and my creditors that were notified did not note my accounts as disputed within their alloted 31 day timeframe. I sent the credit reporting agencies a certified package containing the page of the credit report showing that dispute is not noted, and a copy of the certified reciept and green card to prove that 31 days have passed without the creditor noting the account as disputed. XXXX has fixed my report. Experian and XXXX refuse to remove the disputed accounts even though the creditors are in violation of the FCRA 31 day notice. XXXX took it upon themselves to mark the disputed accounts as disputed, something I DID NOT ASK THEM TO DO. I specifically sent them a letter requesting they remove the account due to the inaction of the creditor. I am requesting the CFPB to enforce the FCRA with XXXX and Experian and have them remove items that I disputed with creditors that are not marked disputed BY THE CREDITOR. I also have a bankruptcy on all XXXX reports that I have disputed, and I have not been given information as to where the investigation data came from to support keeping them on my report. They also do not state disputed by consumer. A current lawsuit with XXXX concerns the requirement that the source of public records are revealed to the consumer ; where did the credit reporting agency get their data? Just listing public records is insufficient. I have been working on clearing my credit report ever since a fraud alert was placed on my account in 2009. It has appeared and disappeared many times without my taking any action to remove it. XXXX has stated they will put a fraud alert on all XXXX reporting agencies for me, but I need to have the disputed data removed. I also want XXXX to remove the dispute that was put on by their agency. I did not request and do not want them to post the dispute. I want the creditor to post the dispute. My attention is with the creditor, not the credit reporting agency who is not working on my behalf but on the behalf of creditors who pay to use their services. XXXX has some sketchy procedures including not removing items proven disputed and not noted, as well as disputing items that were not requested by a consumer. They state that any communication from a consumer equals a dispute to them. I am adamantly opposed to XXXX for verification, and believe this system is unfair to the consumer. I hope that the CFPB can remove the items from my Experian and XXXX reports as requested since I have made a good faith effort via certified mail repeatedly to creditors to discuss these accounts. I am requesting that the CFPB provide the legal service of removing the disputed items as required by the FCRA since Experian and XXXX refuse to do so on their own.

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