Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, I requested my report from XXXX to compare it with the credit bureaus. I requested it online and was informed that the report would be mailed out in XXXX weeks. I have yet to receive the report. 

I then started calling all 3-credit bureaus to dispute any information that was received by XXXX due to them providing me with my personal information. All complied and XXXX immediately removed my information and XXXX put everything into dispute. 

Experian on the other hand explained to me that the bankruptcy that existed on my credit report is public information. I informed the XXXX XXXX that I was fully aware of that, however, how did they obtain the information since the credit bureau 's get reported too and do not go fishing for consumers personal information. She never told me where the information came from. I then informed her that I had seen on their website that they are partnered with XXXX and asked her was that where the information came from and she finally replied, yes. I went on to tell her that since Experian uses them as a third-party vendor that my credit report should be cleared from negative reports that XXXX has provided them because they are not abiding by the Fair Credit Reporting Act. 

She then goes on to argue with me and ask me did I had filed bankruptcy or not. I replied, the fact of whether I filed or not is not the question being asked by me. I informed her that my information that XXXX obtain was not given to me as requested and that is a conflict with the information that is reporting on my credit report because I was violated my consumer rights and all negative information should be cleared due to this factor. I ended up speaking with a supervisor and she informed me that they will need to contact XXXX and dispute the bankruptcy information and will have a response available within XXXX days ( about XXXX and a half weeks ). I requested from the Supervisor XXXX that ALL negative/damaging information that was provided by XXXX should be deleted because I was not given my requested personal information, which violates my Fair Crediting Report Act. 

After completing my call with Supervisor XXXX, I then tried to call XXXX XXXX regarding clearing any derogatory information given out to all 3-credit bureau 's due to the report was never received and this was in violation of my Fair Credit Reporting Act. However, the customer service number has so many loopholes it does not give you the option to speak with a customer service representative. Although, the customer service number indicates on the recording that there might be a longer than normal wait time. This really concerns me that a credit bureau can play with consumers credit using 3rd party vendors that you can not only receive requested information from but can not reach either.

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