Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
ON MONDAY, XX/XX/2022, I WAS NOTIFIED BY THE CFPB THAT EXPERIAN HAD GIVEN AN INTERIM RESPONSE TO MY CFPB COMPLAINT UNDER ID # XXXX. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your dispute on XX/XX/2022 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied, including the attachments, through the CFPB portal and directly to Experian. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( XXXX ) or public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the XXXX XXXX system For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian or write to Experian at XXXX XXXX XXXX XXXX, TX XXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visit www.experian.com/dispute Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

AFTER A REVIEW OF EXPERIAN 'S RESPONSE I IMMEDIATELY OBSERVED THAT EXPERIAN HAD AGAIN DOCUMENTED THEIR VIOLATION OF MY CONSUMER RIGHTS AND THE FCRA. Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this was not a new dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. I have filed several disputes concerning this issue in the past. Therefore, Experian has had the legally required time to reinvestigate my dispute. They do not get an additional thirty days to conduct another reinvestigation. 

Experian failed to meet its statutory obligations and is knowingly and willfully providing false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 

Experian has not conducted a proper reinvestigation of my disputes as mandated by the FCRA because Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my consumer report within 5 days of receipt of this CFPB compliant.

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