Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I put in a dispute on XX/XX/2022 with experian about XXXX XXXX. I made multiple dispute because the date of last activity was wrong and I been asking them to update to the right information. When I submitted a request for a dispute XXXX XXXX the resolution date was XX/XX/2022. I spoke to multiple experian employees like XXXX XXXX on XXXX XXXX at XXXX and she said XXXX XXXX have not responded to their request. I said to her by law if the XXXX of XXXX come within 2 days if they don't respond by law you have to delete this account she agreed and told me to call back the XXXX of XXXX. I called back and spoke to XXXX on XX/XX/2022 at around XXXX am. XXXX XXXX was going to delete it and she told me because it's pending call back so it can be deleted. From then they gave me the run around I spoke to multiple people some say XXXX XXXX never responded and they tried to delete it and they were taken back at the fact that they could not delete it. When they put me on to the auperviaors the claimed they claimed that XXXX XXXX responded in the evening on the XXXX of XXXX. It was a back and forth and I told them by law they have to delete. I called XXXX XXXX  and spoke to multiple employees and they all told me the same thing that they have not been in correspondence with experian. XXXX XXXX stated that on XX/XX/2022 experian reach out to them to validate my dispute, XXXX XXXX  said they never responded them and XX/XX/XXXX bo one from the company was in correspondence with experian. Experian is in violation of my consumer right and law. I have recording of all conversation between experian employee agreeing to delete but could and premier employee stating that they never corresponded to experian. Please take this very serious. Experian are during lots of untruthful things. According to 15 usc 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
If they are not doing right by their consumers how am I supposed to trust. Experian is incompliance with fcra and they are breaking law. Please tell me where I can send these recordings to? To prove my case.

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