Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: UT
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: Investigation took more than 30 days

Complaint:
I have been demanding full disclosure of the entire consumer file concerning me for over 6 months. EXPERIAN has willfully and intentionally failed or refused to provide me with the full disclosure in violation of Fair Credit Reporting Act 609. EXPERIAN continues to fail to provide maximum possible accuracy in the consumer file and consumer reports concerning me and I am being damaged. It appears that EXPERIAN is conspiring with companies to defame my character, commit aggravated identity theft, and appears to have vested interest in refusing to permanently delete information from the consumer file concerning me that I have repeatedly disputed. Some of these companies do not even exist. The Secretary of State of Utah and the state provided by EXPERIAN as the address of the alleged creditor, do not have any record of the company existing. I have provided this evidence multiple times to EXPERIAN and they have willfully refused and negligently failed to delete the information. 
I have filed CFPB complaints for these same accounts, and EXPERIAN only chose to remove 1 or 2. XXXX XXXX and XXXX both have deleted these accounts because the accounts can not be verified or validated. How can EXPERIAN possibly claim that they actually verified the information I disputed when the companies do not exist, and the other 2 credit reporting agencies were unable to? Does EXPERIAN have access to private information about me that I am not privy to? I have not given and do not give EXPERIAN permission to appropriate my name and likeness and leverage inaccurate information about me. 
I demand EXPERIAN to immediately DELETE the following information : 1. The CURRENT ADDRESS is NOT my address. DELETE it. I do not give you permission to furnish and/or report this information about me. 
2. XXXX XXXX XXXX : This company does not exist. I have never done business with this company and do not give them permission to furnish any information about me to a credit reporting agency. XXXX and XXXX XXXX have already deleted this account because it can not be verified and validated. 
3. XXXX XXXX : I have never been late on this account. XXXX XXXX has already corrected this billing error as evidenced by the information as reported by XXXX XXXX and XXXX. EXPERIAN has made erroneously false statements in the comments section for this account and I demand that those comments be deleted immediately and past due 90 days deleted. 
4. XXXX XXXX XXXX : This is account is not accurate and I have never had a charged off account with this company. XXXX and XXXX XXXX have already deleted this information because it can not be verified and validated. EXPERIAN has illegally re-aged this account to cause further damage to me. 
5. XXXX XXXX : This company does not exist. I have never done business with this company and do not give them permission to furnish any information about me to a credit reporting agency. XXXX has already deleted this account as it can not be verified and validated. EXPERIAN has illegally re-aged this account to cause further damage to me. 
6. XXXX XXXX XXXX : This company does not exist. I have never done business with this company and do not give them permission to furnish any information about me to a credit reporting agency. XXXX and XXXX XXXX have already deleted THE 2 ACCOUNTS because they can not be verified and validated.

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