Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: UT
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:
All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that Experian, XXXX or XXXX would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( EXPERIAN ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( AFCU- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) XXXX /Received : XXXX /Submitted for Investigation : XXXX Response from Experian XXXX - Results : Unchanged Acct # XXXX ( AFCU- {$1000.00} XXXX Certified Mail Ending in XXXX ( Experian ) XXXX XXXX Submitted for Investigation:XXXX Response from Experian : XXXX - Results : Unchanged Letter # 2 ( EXPERIAN ) - : WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY Experian/XXXX All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX {$1000.00} ) Certified Mail Ending in XXXX ( Experian ) Sent : XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Letter # 1 ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent XXXX XXXX / Rcvd : XXXX NO RESPONSE 0915 4.3 ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent : XXXX Rcvd : XXXX NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete 0616 4.6 ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / XXXX XXXX ( AFCU- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :?/ Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :? /Submitted for Investigation? NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX

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