Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I received a bogus response from Experian credit bureau in regards to an inaccurate/fraudulent account reporting on my credit at the time that I was experiencing identity theft. As I stated before, I requested an investigation back in XXXX. The company did delete the account which is XXXX Financial due to the fact that it was not my account. I provided experian more than enough documentation. Experian did finally delete the item but then put it back on my report. Anyone with a half of brain knows the FCRA states once an account is removed, it stays removed. Experian is attempting to claim that after it was removed I filed for a reinvestigation. How can that even be an excuse? First of all, it was deleted which I provided you proof of so despite the fact that you are claiming, and please know yet again you are lying I requested a reinvestigation, the tradeline was deleted and can not be put back on. Experian credit bureau is in serious non compliance. Is there any one who is going to do anything about it? Doubtful. as you are aware, this constitutes negligence on the part of experian. It ispunishable by damages and punitive damages. If I have to retain legal council because experian is deliberately doing these things, it will be the responsibility of experian to pay my legal representation. Therefore, I have no reason not to obtain an attorney. In essence, I should n't have to if agencies such as the CFPB would do what they are here for as well as the FTC and the FCRA. Nobody regulates anything and no one makes these fraudsters pay for what they have done. For experian to send a bogus answer such as I requested a reinvestigation in preposterous! Delete the negative accounts that do not belong to me. I have given you certified letters, copies of the report stating XXXX does not belong to me. I gave you letters directly from XXXX that the account is not mine. For some reason I get kicked out of there upload system. Therefore, I took the liberty of mailing it. Is the system is seriously flawed.no one should have to wait 5 months for an investigation only for it to still not be resolved. I simply want the incorrect accounts off of my report immediately. As you know, due to the identity theft with which experian is 100 % sure of based on the FTC statements and the police reports provided to them. I have 0 fico scores as a result of this debacle. Evidently, I have to find a way to start building credit again. I can not move forward so long as experiean is lying and getting away with it. I thought the statues were actually put in place to protect society and so society would know how to behave. What is the excuse of experian and who is going to hold them responsible. I will tell you who ... .not one of these crooked corrupt government agencies. I would need to bring it to court which is what these agencies state when they fail to do their job. Please, tell me how I can get a corrupt, crooked government job so I can sit around doing NOTHING all day. Is there anyone that can enforce the laws? I can not believe that experian came back with that bogus response. Who in there right mind would request a reinvestigation for items that have been previously deleted? That does n't make an ounce of sense so obviously, you must know it 's a lie. If I am intelligent enough to see that experian is grasping at straws because they have no probable clause to have re reported the negative accounts on my report. If someone actually did their job, I would be so surprised, yet pleased. That will not happen as the crooked OCC did nothing to XXXX, XXXX, and all the other places that owe me refunds for money taken without my consent or knowledge. Law enforcement is a joke, they do nothing. I sent the CFPB a full copy package showing exactly what XXXX did and how and I never received a respons

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