Consumer complaint received 2016-04-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Today, I received " Report number : XXXX '' dated XXXX XXXX 2016, which gives a blanket answer to a non-specified complaint. It says, " Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reoprting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : 'not mine, ' 'paid in full, ' 'never late, ' 'included in bankruptcy, ' 'incorrect name, ' etc. If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate uou should also indicate what the correct information should be. Once we receive this information, we will process your dispute. '' First of all, this response lacks all the specificity it requires of the consumer. What specific complaint was made that was not specific? Complaint details? Also, it is not the consumer 's job to be the data entry police. If something such an address is wrong it is obvious the address on this mailing is right! If an account is time-barred from positive reporting beyond ten years, it needs to be removed per Experian 's own policy printed on the very same page. If an account has 90 days following a month marked " OK '' then the math os wrong. These are not options listed. Stupid mistakes on the part of Experian in reporting nonsensical illogical information is not my role as a consumer. I have six separate pages of complaints to CFPB. Experian is on most of them. Each complaint is not only specific beyond what is required, but in some cases, it links one CFPB number to another previous one as an addendum. Therefore, this CFPB serves as an addendum to ALL previous CFPB complaints against Expetian and disputed replies that Experian provided to CFPB due to the lack of specificity in udentifying which one of the many detailed complaints Experian is referring to in this letter mailed U. S. Mail. Additionally, citing a law broken by Experian is very bad form because it is mail fraud to do so. Depending on which complaint Experian refers to, which may be very specific in fact, saying it was not detailed enough for the law to be in force is false. Experian may think it is neing very official but it is disengenuous at minimum and illegally informing me of no recourse at most. The truth is that all my complaints over years did provide details and much like the defendent in a courtroom who does not have the burden of proving his/her own innocence, Experian has the burden to provide correct information that is flagged as erroneous, dishonest, time-barred, mathematically impossible, etc. without further delays and stall tactics. So I called by phone and spoke to many employees at Experian. I wrote to Experian by mail. I filed many specific complaints with CFPB. None have been fully resolved and this letter stands as an answer to all? To one? To which one? Notice the lack of specificity in this mailing? No details. Since Experian failed to provide any clue as to what the report cited refers to whatsoever, I reassert each and every item on my credit report as per all previous phoned, mailed and online disputes should be removed entirely from my credit report until each is addressed individually. Any address but the one one this report was mailed to is wrong. Remove them all. Any account reported positively after ten years is time-barred is by Experian 's own policy to be nlt reporting. Remove it. Any furnisher who has any subsequent month listing anything other than " OK '' or " XXXX '' after a month saying " OK '' green square payment history is mathematically impossible. Fix or remove it entirely. And so forth. Fix or remove errors.

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