Consumer complaint received 2016-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
CFPB complaint is filled against Experian. 
On XXXX XXXX, 2016 Experian rather than responding to a CFPB complaint through the CFPB portal used my personal email provided to the CFPB in an attempt to circumvent CFPB requirements that all CFPB complaints filed by Consumers against a company must be responded to through the CFPB portal. Experian is not providing a simple response to a CFPB complaint by clicking on their email, but rather requires agreeing to Experian 's terms of agreement which is explained in a one page legal document which I refused to do today and will continue to refuse in the future. However, Experian states in their email that Experian 's email response to a dispute I filed with Experian is only valid for 30 days. In order to support the work of the CFPB and insure consistency I have filed 100 % of disputes utilizing the CFPB Consumer Complaint System which then requires the company which the dispute was filed against to respond through the CFPB portal even if said company is XXXX of the XXXX nationwide credit reporting agencies. Another evasive tactic used by Experian when a Consumer such as myself files a dispute with the CFPB which involves a dispute with a buyer of debt company whom Experian stores information for in return for a fee, is to respond to a CFPB complaint of this manner by stating " We will open an investigation by contacting the company regarding your disputed information which can take up to 30 days. Upon completion of the investigation Experian will mail to your address of record the results of the investigation. Note to CFPB : Mailing items utilizing the U.S. Postal Service is not synonymous with the CFPB requirement that all Responses must be via the CFPB portal which is not only a direct violation of CFPB Response protocols, but also represents just XXXX of multiple methodologies employed by Experian ( XXXX and XXXX employ the same techniques as Experian ) to undermine and directly inhibit the effectiveness of the CFPB Consumer Complaint System. It does not take a rocket scientist to comprehend that the sole intent of circumventing the CFPB Response requirement or actually responding one way via the CFPB portal such as " We will investigate ... '' while outside of the CFPB Response system place a deliberately false 90 day Security Alert on my consumer credit report as a retaliatory action for using the CFPB system rather than the dispute system provided by Experian, XXXX and XXXX and which is clearly intended to dissuade Consumers from turning to the CFPB. 
Nearly XXXX % of every non-duplicate CFPB dispute I have filed states it has been reviewed by the CFPB, and if true nothing I wrote above comes as a surprise to the CFPB reviewers. 

However, based upon the yearly CFPB Mission Statement endorsed by the Director of the CFPB XXXX XXXX XXXX, which continues to emphasis the crucial importance of the CFPB Consumer Complaint System, I have no doubt the above has not been shared with the Director and, therefore, every CFPB complaint and Response filed in the last six months which addresses the above, as well as host of other key issues of concern to the CFPB, is being forwarded to the Director, Assistant Director and the Director of Enforcement for their review and analysis by complaint number, date, Response, or companies which ignore the required CFPB Response completely. 

Experian so you can not reply complain was too vague you are required by the CFPB to Respond to a CFPB complaint via the CFPB portal and not via my personal email which not only is dismissive of the CFPB, but also insists I agree to legal terms of Experian 's choosing as if Experian is not subject to CFPB oversight. Experian needs to provide all Responses though the CFPB portal and by no other means and which is inclusive of your XX/XX/2016 attempt to circumvent the CFPB Response portal requirement.

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