Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian sent me Rep ort Number  :  XXXX . Date :  XXXX   XXXX ,   XXXX  .   I asked them to verify information that is outdated on my credit report. And if they did n't delete the outdated information I also asked them to provide me with the following :  1 . A description of the procedure used to determine the accuracy and completeness of the items in question.    2. W ho they spoke to or contacted and they still refuse to delete the outdated information from my file.   Further they sent me a report that stated "  XXXX  on this item has been updated so please review your report for the details. '' And there are no details other than what was on my previous credit report.   Name Account Number   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX    XXXX   XXXX   XXXX   XXXX  As I stated in my last letter dated  XXXX   XXXX ,   XXXX   the first delinquency was  XXXX  so this makes the above accounts more t han 7 years old .   Experian never contacted  XXXX   XXXX  because I called them and they have no information or file that is in my name. I wrote to them at the address Experian provided on the credit report that was sent to me which was  XXXX .  XXXX   XXXX ,  XXXX , FL  XXXX . I also telephoned  XXXX   XXXX  using the telephone number Experian provided  XXXX   XXXX   XXXX   XXXX  and the agent said there was no information in their files that referred to a  XXXX   XXXX   XXXX  with my social security number.   Experian relied instead on its   XXXX   XXXX   XXXX   XXXX  which is not verifying the information with  XXXX   XXXX . Experian never had a single person actually investigate or verify any of the outdated negative accounts. I have disputed this information over and over again and Experian lied saying they verified the information and updated my file.     Therefore, it is evident that Experian has broken  the Federal Law b y stating that the information has on the above items been updated. EXPERIAN DID NOT CONTACT   XXXX   XXXX      REGARDING THE ABOVE ACCOUNTS SO EXPERIAN COULD NOT HAVE VERIFIED THE INFORMATION WITH   XXXX   XXXX   BECAUSE THEY DO NOT, I REPEAT DO NOT HAVE ANY INFORMATION REGARDING ME OR ANY ACCOUNTS I HAD WITH THEM.   Experian has been sued several times! THEY ARE willfully failing to investigate the information that they continue to report on my credit file.   I am now requesting an investigation into Experian 's willful failure to investigate information and to remove outdated information from my file along with a request to be awarded actual damages and also request punitive damages.   I have disputed the information regarding my credit file on numerous occasions and Experian continues to report the outdated information.   For your information CFPB has fined Experian {$3.00}  XXXX  for deceiving consumers in marketing credit scores. I guess you want another lawsuit because now I am turning Experian over to the Enforcement Division of CFPB.    Below i s information regarding the enforcement action taken by CFPB for Experian 's deceptive practices.   Enforcement Action against Experian Under the Dodd-Frank  Wall Street  Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, Experian must : Pay a {$3.00}  XXXX  penalty : Experian must pay a civil money penalty of {$3.00}  XXXX  to the Bureau 's Civil Penalty Fund.   Truthfully represent the usefulness of credit scores it sells : Experian must inform consumers about the nature of the scores it sells to consumers.   Put in place an effective compliance management system :

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