Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
First, I do not owe the debt. It has been settled in small claims court, in my favor, against the original creditor. I owe nothing. The credit reporting agency is reporting inaccurate information. Second, I have tried to work with Experian since  XXXX / XXXX /   17 to  get the item removed from my credit report. Since  XXXX ,  2017, Expe rian keeps updating and verifying the debt despite having a signed judgment from the court of law that I do not owe the debt. On  XXXX / XXXX /   17, I  initiated another dispute, and I sent documentation of the judgment. It was uploaded via Experian 's system.  <P/> Restart #  1  I contacted Experian on  XXXX / XXXX /   17  to make sure that they received the documentation. The representative canceled my original dispute and initiated a new dispute and restarted the 30 days in order to attach the documentation. I did not agree to a restart. Representative said that Experian has the documentation.  <P/> Restart #  2  I contacted Experian again a few days later. Again, the representative said that they did not have the documentation attached. The representative cancelled the  2nd  dispute and entered a new dispute, restarting the 30 day clock. The rep said that the second representative failed to attach the paperwork.  <P/> Restart #  3 I c ontacted them again on  XXXX / XXXX /   17 - thir d representative failed to attached the paperwork and Experian again restarted the dispute to attach documentation.  <P/> Restart #  4  I called again on  XXXX / XXXX /   17 -  fourth representative initiated a complaint against the second and third representative for failing to attach the documentation to the dispute. The representative reattached the paperwork, entered a new dispute, and restarted the 30 day time clock.  <P/> Today I contacted Experian 's " Special Services '' department to speak with a supervisor about the issue. The supervisor refused to fix the issue. Supervisor "  XXXX  '' kept telling me that they would not honor my original dispute and paperwork indicating that I do not owe this debt. Instead, he verified that the multiple redisputes was Experian trying to correct multiple documentation errors. He verified that multiple complaints have been placed by representatives for causing errors with my original dispute. Yet he did nothing to remedy the situation except insist that I wait another 30 days after they corrected their own errors.  <P/> I have given Experian since  XXXX  to correct the inaccuracy on my credit report. Each time, the representatives make mistakes attaching my file, and as a consumer, I have to keep restarting the 30 day time clock for their error. From my initial dispute, it has been well over 30 days for Experian to correct this error. Experian knows that the reporting is inaccurate, but has yet to correct this.  <P/> I have been denied credit twice specifically because of this error - through a mortgage company and with a federal student loan. Because Experian is knowingly reporting inaccurate accounts on my credit, it violates FCRA a nd FACTA and Dodd-Frank Act.

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