Consumer complaint received 2023-06-09
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: Their investigation did not fix an error on your report

Complaint:
Good day, I have sent several certified letters to XXXX, XXXX and Experian regarding the errors contained in my credit files. I couldn't upload all the supporting documents, but I have been contacting XXXX, XXXX and Experian on a continuous basis. I've submitted complaints, and the credit bureaus have refused to resolve the issues mentioned in my dispute letters, even when proof is provided. 

I recently informed the 3 bureaus that I have no other choice but to file a lawsuit against the companies due to their unlawful practices. I have kept a record of documentation proving that my rights are being violated. These companies have done numerous investigations, and there are many errors in my credit file. 

XX/XX/XXXX, I logged in to XXXX to obtain copies of my credit files. I was directed to customer service because the system couldn't verify my identity. 

A couple weeks ago, I called XXXX XXXX XXXX and requested a copy of my credit reports. I also sent a request via certified mail with a copy of my I.D . and utility bill attached. 

On XX/XX/XXXX, XXXX responded to the first request by sending a letter stating that the system was unable to locate a credit file with the identification information I provided, and requested proof of identification. When they received the proof of identification, I received a copy of my credit file. However, my name and address is incorrect on the cover letter, but my information is correct in the Personal Identification Section. The inaccurate information that was provided put my personal information at risk. 

Experian responded on XXXX, XXXX stating, " we received a request regarding your credit file that does not appear to be sent directly by you. '' We have not taken any action on your alleged request. Experian does not mail investigation results. I'm advised to go online and my credit file still has errors in it. 

XXXX has not provided my credit file. I've sent multiple dispute letters via certified mail this year, and I've only received one credit file in XXXX. 

As a consumer, it is within rights to obtain paper copies of my credit file when requested, and after an investigation is complete. I've requested multiple reinvestigations from XXXX, and I've received one copy per bureau per year. 



The following errors are in my credit file : 3 bureaus have refused to correct/delete errors after Ive sent several correspondence via certified mail from XX/XX/2020 until now. 

Experian has refused to update my personal information and remove old addresses and employers from my file after stating that my information had been updated. 

No communication stating that the accounts were in disputed within 30 days prior to XX/XX/2020. Multiple items were disputed, and removed during this time. I sent the credit bureaus copies of my credit report and the inaccurate information still wasnt removed. 

3 bureaus continued to report XXXX XXXX  account after XXXX XXXX  requested that the account to be removed. I have proof of the letter from XX/XX/2020 The accounts on my latest credit report shows the accounts that are reporting inaccurate date of last activity statuses, and there are missing fields in my credit files, which is a violation of Metro 2 Compliance XXXX is reporting several accounts with missing account history information. 

XXXX removed XXXX XXXX account on XX/XX/2020 report, and it was reinstated without notifying me within 5 days. XXXX and Experian refused to remove the inaccurate information from my credit file. 

XXXX XXXX, XXXX XXXX, and XXXX  received certified letters XX/XX/2020 there was no communication that the account was in dispute within 30 days according to the Fair Credit Reporting Act. 


XX/XX/2020 XXXX report shows XXXX accounts were deleted on my file and reinserted without notifying me within 5 days. XXXX and Experian refused to delete the inaccurate information. 

Please provide the original contract, payment history and proof of ownership for each account that your company is reporting in my credit file. I've received updates stating the that the accounts were verified. I have not received proof of how the accounts were verified. How were they verified and they're inaccurate? Your company has done multiple reinvestigations, and there are numerous errors in my file. Specifically, date of last activity statuses, and missing information. Your company is in violation of Metro 2 Compliance. Please remove the negative information from my credit file.

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