Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: FL
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:
No disrespect to Experian, u but what does this response have to do with me asking to look into a collection that has been on my account for years? Inaccuracies everywhere. It is not mine, I have spoken to Experian customer service. I've asked to check into this account and I still have not received any type of validation that the account is mine. It is holding me up from buying a home for my family. The company responded by saying they would send a validation letter and still have not received anything that has to do with my name connected to the company accusing me of owing them any time of money. My apologies here is Experian 's response : Thank you for submitting your dispute on XX/XX/2022, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher ( s ) to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. Please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumer disputes swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian. 

What does this type of response have to do with actually looking at the accounts they say are on my report?? I don't use any type of repair service. XXXX and XXXX already deleted this account XXXX XXXX XXXX XXXX XXXX XXXX I have sent many requests through cfpb to the collection agencies and the credit bureau and received nothing but a message saying they will send me something in the mail. The other bureaus do not have the companies reported on their sites. 
I am just trying to build my credit and buy a home for my family. I request immediate deletion. Once again no I do not work with any type of credit agency. Nor pay anyone to fix my own credit.

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