Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2023 XXXX I got off the phone with experian, I had asked about fraudulent installment XXXX account ending in XXXX inquiry date XXXX that was deleted information that now somehow has been according to experian unblocked and has appeared now again on my Experian credit file while I am currently under home buying contract. over the phone when I spoke with Experian they said it was the creditor that opened a dispute when I asked about disputes showing up on my credit file on an account already blocked and I told him it was unblocked due to information stating disputes i have made on this blocked fraudulent account they have been unblocked. I asked about the account showing up again and showing currently under dispute as well, He said the account is getting removed for reason of fraud. Today is XX/XX/2023 and still moving forward under contract with this now new credit information still existing I have tried to call again today as it still is showing up. I have time sensitive business to conduct but can not tend to as I have to now write this, send a letter to Experian as well. Tried for a long time calling them but first few times the phone machine wouldnt pick up what I dialed for my identifying information. Then I finally got through and the machine said it couldnt assist me in connecting me to a representative unless for specific allowed matters after having asked me if Im calling about membership and my reply being no. Then I finally called again got through to them connecting me somehow to a representative and they picked up and stayed on the line without responding for a long time I hung up once again. Its XXXX XXXX  update XXXX XXXX  and I am behind on a lot I have to do getting no where yet once again with Experian. This is literally real writing this down seems so unbelievable and just terribly wrong plus all I have had to endure for so long due to all this. Money in the thousands will be lost exceeding what amounts one can even file for in certain suits against credit companys, nevertheless, other routes do exist and I am not going to take a abuse from these companies if this goes down that route and they refuse to cease from reporting fraudulent incorrect unverifiable information about an account I did not make and insist on further reporting false damaging information and if so it is that I am affected by this further after stating here and informing them of what their wrongful reporting and further damage has done and they will be doing to me I will take legal action and seek restitution/compensatin/ be made whole. I have been patient for very long and this is unacceptable unfitting of what is called one of the three major credit beuraus of the United States. I dont have this issue with XXXX or XXXX XXXX XXXX XXXX  im going to have to rush the rest of my day and hope I do not fail at completing my tasks due to this.

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