Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is inaccurate data on my credit report which i would like to dispute. Experian does not except mail or telephone calls and has an online form. however when i enter my information it yields an error stating it can not locate my data. This happens several times when i dispute my report from experian. The other XXXX agencies go through fine. I am not looking for a copy of my report but disputing my report. How is it possible that they can get away with making the process impossible for you to repair your credit. What rights do consumers have if they can conduct business this way. The want me to pay money to dispute something on my credit report. This has to be illegal. 



Experian - A World of Insight We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. 


Mail this form, along with payment ( if applicable ) to : Experian XXXX XXXX XXXX XXXX, TX XXXX [ ] Check here for overnight delivery and include an additional {$20.00} overnight processing fee. [ ] Check here to authorize delivery of overnight package without obtaining signature. 

Your identification information XXXX XXXX XXXX Social Security Number : ______________ XXXX XXXX XXXX Date of birth : XXXX/XXXX/XXXX XXXX MA XXXX Home telephone : XXXX Report number : N/A I am requesting : [ ] Free credit report due to declination or adverse action ( enclose a copy of the letter you received notifying you of that adverse action ). 

[ ] Free annual credit report. 

[ ] Free credit report based on my state 's law. 

[ ] To purchase my credit report. 

[ ] To obtain my free report with my promotional code : ( enter code ). 

[ ] Other ( please explain ) [ ] Check here if you are blind or visually impaired within the meaning of the Americans with Disabilities Act and can provide proof upon request, indicating that you are eligible to receive your credit report or score report in an alternate format such as Braille, Large Print or Audio CD. 
[ ] Braille [ ] Large Print [ ] Audio CD Write any comments below

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