Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: CA
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:
Credit Reporting Agencies refusing to investigate and putting personal statements as Dispute resolved ; consumer disagrees without investigating and providing required proof of investigation and without investigating. Sending Canned responses to consumers. 



Re : Duplicate erroneous accounts reporting and credit reporting agencies Failure to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws XXXX XXXX  XXXX on my credit report twice I wrote credit bureaus in XXXX and asked them to investigate a duplicate Error reporting on my credit report XXXX ( duplicate ) XXXX XXXX  XXXX, instead they refused to investigate and simply sent a blanket statement stating dispute resolved consumer disagrees. How is it right that they fail to investigate and simply allow 2 duplicate erroneous credit reportings to cause me harm and drag my credit down for over 4 years. 

Meanwhile as required by law, XXXX XXXX did not follow the FCRA and State of California debt collection practices by : Sending me a written notice with their name stating who was owed, and for what amount and giving me a 30 day period to acknowledge, confirm and dispute the validity of this debt. And in return you allowed this violation of law to continue causing me harm and violating my rights. 

I wrote both the credit reporting agencies Experian and XXXX and XXXX XXXX and asked that by law they all provide evidence of the error they were reporting on my credit file was a debt that belonged to me. I explained that had they followed the FCRA law by contacting me to verify the validity of this debt this matter could have been rightfully disputed and cleared up. They did not contact me to verify the validity of this debt. They simply started reporting erroneous info on my credit. 

And Instead of the credit reporting agencies investigating as required by law, the FCRA and CFPB consumer laws, they sent another canned response saying Consumer disputes previously resolved. Except that is not sufficient by law. The credit reporting agencies let this error affect my credit history for over 48 months without looking at the proof that was sent. For years they allowed XXXX to negatively cause me harm. Causing damages to me. 

Furthermore such collections are against Federal and the State laws of California and you have violated my rights for more years greater than the California statue affecting its residents. Debt collectors can not attempt to collect a debt from California Residents longer than 4 years, let alone try to collect debt that does not belong to one of its residents. Yet the credit agencies continuously allowed this to affect, harm me and cause damage to me despite me writing and providing proof to you since XXXX 

How is any of this legal? 
How is it legal for me exercising my rights by law asking the credit agencies to investigate and they reply with a canned response that it was previously investigated and consumer disagrees ; then proceed to ignore and refuse to investigate further. They allowed Duplicate erroneous account to drag my credit down for over 4 years with their refusal to investigate. 

How many other consumers have suffered at the hand of their credit reporting as well? 

I am asking that they remove both of these erroneous accounts from under my name ASAP. If not provide the method that they investigated this, including documentation and proof and with whom and proof that XXXX XXXX fulfilled its obligation under the law by providing certified mail proof and receipt of sending me a written notice with their name stating who was owed, and for what amount and giving me a 30-day period to acknowledge, confirm and dispute the validity of this debt. 

XXXX XXXX XXXX CFPB and FCRA

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