Consumer complaint received 2016-05-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Today, I received my Experian credit report number XXXX. Despite my student loans being repeatedly entered into the dispute cart, and my CFPB complaints as well as my few last revised reports listing them " project completion date '' XXXX XXXX, XXXX, they are neither listed nor have been resolved. It is as though it was never disputed in the aggregate to begin with. Also, the math errors on the payment history are still there. I detailed that on a separate CFPB complaint using Experian 's own legend. So the time is quickly approaching in which the various copies of these things speaks to willful non-compliance of the FCRA. Only the math dispute with my utility company remains " projected completion date '' XXXX XXXX. The most obviously-ignored error, that has continually been in dispute, falls on page XXXX of XXXX. It is " XXXX XXXX '' and in this, case is proof of complete regard to the law. The reason for that is that I disputed it with both XXXX and XXXX, their server of this loan. I also disputed it with my U. S. Senator and the DOE. The letter received by both bank and servicer was willful non-compliance but was never formally addressed by Experian. They ca n't simply rubber-stamp the error and also just leave these on my report without a formal response. I have news for Experian : XXXX ' reply in particular must be independently verified. You ca n't just take their word for it because they furnish it. The truth is in the possession of all parties and I submitted all necessary paperwork on time and evidence of the fact is the positive XXXX on the other student loans. Those loans used identical information and no income verication and approved me. Only this student loan went rogue. They were not legally or ethically allowed to go rogue. Once disputed, they lied. All that is detailed in other CFPB complaints. Experian should obtain the XX/XX/XXXX/XX/XX/XXXX communication between the DOE and XXXX and my U. S. Senator to see that I not only supplied everything - and qualified - but I was singled out for default in a discriminatory way to serve a larger objective. Therefore, Experian is not dependent on a flimsy he said/she said investigation. Clearly, Experian removed these from the dispute entirely by not addressing them. Additionally, I stated in previous disputes and CFPB that all accounts related to XXXX cease and desist any reporting because of the fraudulent credit card they reported in XX/XX/XXXX, which has since been removed from my credit reports. XXXX sent a letter XXXX XXXX XXXX which upheld the error and refused to stop reporting it until XXXX. So clearly, the subsequent letters are an indication of that banks 's willful non-compliance inspite of the fact it was closed in XX/XX/XXXX ; time-barred in XX/XX/XXXX from reporting whether positive or negative ; there were XXXX consecutive months of positive payment history which I did not make but Experian 's fraud department did verify XXXX made ; XXXX admits none of 13 months but admits the one after it was closed in which no reporting happened and cited an internal computer update that caused external furnishing to credit reportibg agencies ; was probably an employee, given the furnishing was in fact by the bank ; etc. It is obvious that it had to be removed in spite of the letters received by XXXX. This casts a shadow on the student loan serviced by XXXX as well. XXXX basically mailed me envelopes yesterday, printed the day after this Experian report that reaffirmed multiple falsely furnished info as if facts are not important. Facts are stubborn things as XXXX XXXX once said. Facts are the basis for accurate reporting. Yet, I see today on this report that all that matters not. Much time has passed and I want answers as to Experian 's reason for ignoring ( on my U. S. Mail reports ) the previous disputes. I want Experian to stop this and take control of the situation and remove these until they get a proper investigation done.

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