Consumer complaint received 2022-03-01
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:
On 4 separate occasions within the past 6 months, I have requested that Experian permanently delete the tradelines they have compiled in the consumer file and consumer reports concerning me. I mailed disputes to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I mailed my disputes to the address theyprovided and to their registered agent in my state. 

On 4 occasions, they have failed or refused to delete defaming inaccurate and incomplete information, which is damaging my character, causing business disparagement, emotional distress, and mental anguish. I am being harassed by Experian 's failure to follow the Fair Credit Reporting Act 's requirement of ensuring maximum possible accuracy. 

I have been a victim of identity theft, and I requested that Experian delete all personal information that does not legally identify me, incorrect names and addresses to help with reducing my susceptibility to further identity theft. Experian has failed or refused to permanently delete addresses that do not belong to me, and that I have not furnished to them. 

Experian has failed or refused to permanently delete tradelines that are furnished by companies that do not legally exist. I have no recourse against these companies because they do not have registered agents in my state. Therefore, they must be deleted and never had permissible purpose to furnish any information about me or access the consumer file or consumer reports concerning me. 

Companies in the consumer file and on consumer reports concerning me that do not exist are : 1. XXXX XXXX XXXX 2. XXXX 3 . XXXX XXXX XXXXXXXX 4. XXXX Experian has taken over 30 days, even over 45 days, to conduct their investigation, and reinvestigations. Experian has failed or refused to comply with FCRA 609 and provide me with full disclosure of everything they have in the consumer file concerning me. I requested it on XX/XX/XXXX, and I have yet to receive the physical copy as requested, or any acknowledgement that they needed more time. FCRA 609 says they only have 15 days to comply. 

As the only person available with firsthand knowledge as to the accuracy and completeness of any information regarding my private financial matters, it is necessary for Experian to contact me directly prior to adding anything into the consumer file or furnishing any consumer reports to anyone. Experian has failed to do this even though I have requested this. No one else can validate or verify any accuracy of any tradeline, except me. Experian has shown a pattern of allowing entities ( legally formed and not ) to access the consumer file and consumer reports concerning me without any permissible purpose by law. I am being damaged by this. 

Attached are my dispute letters Experian has failed or refused to delete inaccurate and incomplete information in accordance with the Fair Credit Reporting Act. 

I have been trying to get Experian to comply with the Fair Credit Reporting Act regarding these accounts for over 18 months. Experian has shown a pattern of negligently and willfully violating the Fair Credit Reporting Act and my consumer rights.

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 non-monetary relief