Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of XXXXXXXX XXXX and Ive been working with XXXX XXXX and XXXX ( unknown last name ) in the Experian Office of Consumer Relations Specialty Services in regards to my case and I am extremely saddened by the way that Ive been treated. 

On a recorded line, I have been interrogated, interrupted, yelled at, falsely accused, given false information, hung up on, and even completely lied to. My credit report has yet to be updated in regards to any of my disputes. I have been sent one ( 1 ) correspondence and that was sent through an encrypted email address which was XXXX. 

The letter, not only was encrypted, but was not in compliance with the FCRA as is it did not contain an updated copy of my credit report nor did it outline the procedures taken by Experian to get to this decision. It also states that no matter the documentation, Experian has 25 business days to delete the information. This is willful negligence as the law clearly states that the information must be deleted within 4 business days, even if the documents are still under review which could take 25 business days in total. 

I was denied a request to block my information because XXXX and XXXX claim to have called the organization that provided my victim letter using the phone number on the letter, and were told by representatives at the organization that it could not be verified. Stating first that the organization stated that they dont handle XXXX XXXX, then later stating that several representatives informed them that they have no record of me in their system. I have contacted the organization more than once and theyve reassured me that this is not true. XXXX nor XXXX have actually contacted the company. There are no records of calls or voicemails from Experian to the organization at all. It is also stated in the law that Experian can only request additional information in limited circumstances, not because they dont believe the victim. So this is a violation of my rights under the FCRA. 

Even if they did call, I have been advised legally that Experian does not have the authority to call and ask personal questions about my case. This is also a violation of my rights. 


XXXX and XXXX requested additional information because they dont believe that I am a victim. They have repeatedly interrogated me about the validity and components of the letter. It is blatantly obvious that I am being discriminated against with bias. 


Also, XXXX and XXXX are pretending to be unable to view my documents whenever they are uploaded. I literally have to call another department first, get confirmation, and have them forward the documents directly because XXXX and XXXX will say they never received any documents and to upload them again. Every time I upload them again, they say itll take 3-5 business days to receive the upload and that they have 25 business days to complete my request. By law, they MUST delete the items within 4 business days even if they are still reviewing the documents. The fist set of documents was confirmed to have been received on XX/XX/2023. As of today Tuesday XXXX XXXX, the items are still reporting on my report and nothing has been updated on my credit report in regards to this dispute. This sh willful negligence on Experians behalf. Even when I call Experian, the reps do not see any notes in my account that correspond with my disputes or the information XXXX and XXXX have given me. 

XXXX and XXXX claim to have spoken to a XXXX XXXX in the office of affairs of the organization that provided my victim statement. It has been confirmed that no XXXX XXXX works there. The only XXXX XXXX associated with the organization is deceased, and his information pops up when the organization is XXXX 

Their supervisor is listed as XXXX XXXX ( sp check ) of which I am never able to speak to because no matter when I call, they claim the supervisor is not available and will give me a call back which never actually happens. I also have asked multiple times to have my case reassigned to a different rep. Each time I am told XXXX is the only person who can help you. Yet, XXXX calls, yells at me, interrogates me, and contradicts everything XXXX says in between my calls with XXXX. I have spoken to XXXX and XXXX an equal amount of times so now I have no idea whos actually assigned to my case, or who can actually help me but I am mentally, physically, and emotionally drained at this point. I am being treated like the criminal and not the victim. XXXX even accused me of being a credit repair company. 


On a recorded line, XXXX told me that Experians process includes an evaluation of the documents that I submitted by the legal team. I was very open to that, and asked if I could work directly with the legal team, and requested to have them contact me instead of the Office of Consumer Affiars from this point on because I feel as if I am being discriminated against. XXXX and I were disconnected, but XXXX called me back stating she was out of the office and that she can not send my files to the legal team because she cant advise any other department despite me being told by XXXX XXXX minutes prior that sending my documents to the legal team was actually the next step in the process. 


I am homeless as a result of XXXX trafficking. I have been working with DHS to get some type of stability. I was advised to get the adverse information that resulted from the trafficking removed from my report so that I could obtain an apartment that was found for me. Because of the issues with XXXX and XXXX, that opportunity has passed and Ive been sleeping outside. Unsafe. I have incurred several damages as a result of this and I have filed a lawsuit with the Federal Court as of today XX/XX/2023. 

There are far more elements to this case that are not mentioned in this complaint but have been documented, recorded, and will be used as evidence in the lawsuit. This complaint is just to get my complaint in your system because I do not trust that the Office of Affairs is actually documenting anything that I am saying. I have attached the letter sent to me by XXXX as well as the documents that I sent over to Experian.

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