Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NY
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 XX/XX/2022 I, notified Experian through written correspondence notarized through certified mail tracking # XXXX XXXX XXXX XXXX XXXX about multiple inaccuracies on a consumer report that was created containing information about me the consumer. Over thirty days later I recieved an automated response stating that the accounts were " VERIFIED '', upon receiving the automated response I decided to try my chances over the phone with a REAL PERSON after several phone calls I was able to get a representative on the line where I the consumer then began to ask questions about their METHOD OF VERIFICATION the representative shortly began to get rude and started disrespecting me because I the consumer informed him that I had rights and Experian wasn't respecting them due to the fact that my privacy was being violated and they were not using any reasonable procedures in order the ensure maximum accuracy in their reports or a respect to the consumer 's privacy. The representative hung up on me and after several more attempts to resolve the matter over the phone I realized that maybe representatives at Experian weren't actually there to assist consumers with these matters. I then sent out a second written notice on XX/XX/2022 notarized via certified mail tracking # XXXX XXXX XXXX XXXX XXXX informing Experian about the fact that they had failed to follow proper procedures and have been willfully noncompliant. I then waited and waited and waited and waited and waited until I decided to contact Experian over the phone to inquire about my written correspondence when they then informed me that they never received it, upon further investigation I then came to the conclusion that Experian in fact decided to decline the written correspondence causing it to get lost in the United States Postal Services System. I then decided to send them a third notice more recently on XX/XX/2022 via certified mail tracking # XXXX XXXX XXXX XXXX XXXX informing Experian about the adverse information that they are reporting which has caused me severe financial hardships, mental anguish and has made me subject to predatory rates and extortions of credit transactions. In the written letter I informed Experian about the damage that their conduct has caused me, the fact that my privacy continues to be invaded, the violations under the Fair Credit Reporting Act 15 U.S.C 1681. I the consumer printed out the credit report being reported by Experian and highlighted each derogatory account and adverse information being contained within the report while also adding each violation committed by Experian. At this moment I have attempted to resolve this issue on multiple occasions and have came to an understanding that Experian is just as unlawful as any convicted felon who continues to commit crimes willingly and knowingly. I am beyond belief at the way that Experian has conducted themselves and how they manage and maintain consumer files so negligently. I have suffered many a sleepless nights and countless hours away from my family and friends because of the stress Experian has caused me. However I will not be discouraged or stopped from correcting the errors in information and holding Experian responsible for ASSUMING such a VITAL role in my life without my permission or consent.

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