Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX, XXXX XXXX a representative of XXXXXXXX XXXX XXXX XXXX wrote a damaging and false information to CFPB in his response to me regarding why XXXXXXXX XXXX XXXXXXXX XXXX is not reporting my credit history to Experian in order that it is reviewed. Experian has stated that this company needs to write a XXXX XXXX and use their E-Oscar system to reestablish the tradeline because it was purged in XXXX. It has taken months to learn why all the other credit bureau are recording my good credit history and not Experian. They have figured out the problem. Experian 's contact information is XXXX. This is the Dispute Department. They have after 8 months explained the problem and it has to be resolved by XXXX XXXX XXXXXXXX. XXXX rather than writing mean spirited letters, he needs to do his job and reflect the highest standards for XXXX XXXX XXXX. 

I have had XXXX for nearly 18 years. I thought it was a great company until I learned that my credit history was not being reported to Experian. They are reporting it accurately to XXXX and XXXX. I have complained for the past 8 months all way to a lead supervisor, XXXX XXXX who spent some time talking with me, then he dropped it, and allowed his employee XXXX to take over. This employee is XXXX and XXXX. This why I went over his head. XXXX wants to write long letters rather than take the time to investigate and resolve the issue with Experian by reestablishing a tradeline with my credit history. Somehow it was purged. Experian is waiting to hear from XXXX to reestablish this history. The employee, XXXX lied and tried to disparage me. He wrote that I have had " several '' bankruptcies. He deliberately lied and it has nothing to do with my credit report today. In the 90s I had a XXXX XXXX XXXX and XXXX XXXX protection in XXXX after a divorce and a worldwide XXXX 10 years ago. Millions lost their homes and jobs. I protected my investment. Companies protect there investments with XXXX XXXX Today my mortgage is XXXX % fixed. I am currently a good customer of XXXX. I have worked hard to earn this status. But after reading all the complaints on a XXXX site, I no longer trust XXXX XXXX XXXX for the long haul. Customer service is important and something as simple as a thorough credit reporting and resolving the issue, this should not warrant ugliness from an employee willing to lie. The Consumer Financial Protection Bureau ( CFPB ) government agency is another place to file complaints against XXXXXXXX XXXX XXXXXXXX. The public should know how to protect themselves and alert others to find a mortgage company with outstanding customer service, and not with employees who want to make personal jabs and outright lie.

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