Consumer complaint received 2022-10-05
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: Their investigation did not fix an error on your report

Complaint:
UNTIL MY ACTUAL COMPLAINT IS ADDRESSED, I HAVE A RIGHT AS THE CONSUMER TO CONTINUE TO REQUEST FOR A COMPLAINT TO BE ADDRESS. Previous request has reached over 60 days. Appeal has been sent over 90 days. PER THE FCA this request is required to be answered. This will be for public record. This was the fifth complaint about the DENIAL to participate in the Data Contributor program offered by Experian. Experian refused to respond to my application for the Data Contributor program and after not responding to 4 emails, I had to call in and complain and I then received an email response the following day of a denial with no explanation. I never received a call as advertised that a consumer will receive after applying for questions or for clarity. No investigation was performed, and no denial reason was given but indicated several statements of their reputation. What does reputation have to do with a denial? I also requested an appeal process and never received a response. This is clearly discriminatory, retaliation and abuse of power. I consistently asked why was I denied as a data contributor and gave them a chance to fix if any error before this complaint and they still refused to give me a reason for denial, which also doesnt give me the opportunity to correct any issue to ever qualify for the program. The discrimination allegations were after I did my due diligence to see that all consumers that qualified for the data contributor program were 99.99 % all XXXX consumers and associates. Now the reputation statement of the denial made more sense but its clear it wasnt due to Experian data breach that millions were a part of. The program requirements are public and nowhere is it indicated that if you meet all criteria that the decision is based off the discretion of the company and you can not get the reason of the denial. Also, I want to know what can a person see on an application that can automatically deny them with no communication if all credentials are correct? The closest I received to a reason its Experian said due to its reputation, I did not qualify. What would be the point of listing public requirements if the ultimate decision is based from the companys private decision? This is clearly a cover up to discriminate against consumers. How can a company be regulated by FCRA, CARES Act, FCRA, and XXXX and deny people of a program that goes against the laws and human rights? The treatment has been so bad that. Ive sent several emails and will not even get a reply. This is unacceptable, and as you can see on my previous Consumer complaint numbers Experian never addresses the previous complaint of the consumer. I qualified for the trade program and met all criteria as similar consumers with different nationalities and have been denied because of my skin color/race and exercising my rights. I am seeking the protection from 15 USC 1691a ( 3 ), and the Civil Rights Act and This law requires both public and private businesses to provide individuals full and equal accommodations, advantages, facilities, privileges or services. I have kept all correspondence and proof of my statements because this treatment need to be publicly recognized by the consumers like me and the legal system that regulate these companies that are going against the law but are giving them right for decision making over consumers like me. Nowhere in FCRA, does it give Experian the right to determine who can or can not be a data furnisher over a consumers data. Consumer requirements is to follow the laws implemented by the above agencies. I have attached other consumers that were approved, to show you that its clear this is discrimination and retaliation. If I am not eligible, I have the right to know why I wasnt eligible so therefore correction can be made. It should not be no special or different requirements for me than any other consumer. The solution is, I want is to be approved to be a data furnisher as the XXXX consumers and their associates/ friends. Attached is my proof of a few non-financial data furnishers consumers and the only difference from me and them is the XXXX of my skin and race. The abuse of power, unfair business practices and discrimination has to stop.

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