Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: NY
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:
After years of being violated by Experian on multiple cases, I have exhausted every recourse and remedy to protect my consumer rights. I have requested my consumer file pursuant to 15 USC 1681g ( a ) but they didn't send it to me, I requested for the description of procedure to determine the accuracy and completeness of all the information I am disputing pursuant to 15 U.S. Code 1681i ( a ) ( 7 ) many times, but the agency did not sent me what I requested in 15 days from the first time I requested on XX/XX/2022 through mail and until now, I have also complaint about identity theft, I even sent my FTC report together with the letter as a proof of complaint but they didn't delete the information in 4 days pursuant to 15 U.S. Code 1681c2, and I sent another FTC report to them together with my last dispute after that which I mailed on XX/XX/2022 and received a response from Experian last XX/XX/2022 through email that they are still investigating the identity theft I complained about and will conclude the investigation on XX/XX/2022 when they should have deleted it in 4 days. 

In addition, Experian changed the address for the child support account into a fake address, a po box , that is being reported on my credit report after mailing a complaint to them last XX/XX/2022 saying that I have not been able to identify the original source of the child support enforcement account. I wrote the address provided on my credit report and I received a letter back saying I wrote the wrong department. I then in turn wrote the court house in XXXX XXXX where family court dispositions are stored. I was informed by the court clerk that XXXX XXXX court does not furnish information to the credit bureaus. My last recourse was to request my credit file from Experian to see exactly who is reporting this erroneous information but to my disappointment even Experian a XXXX dollar company can not follow the law and provide me with the documents congress has granted to us the consumer. I am left with no alternative but to file an identity report with the FTC and send it to them because I do not know where this account has come from so now their response is to change the address again into a fake address hoping I'll just stay silent and write a letter again to the fake address they provided. I want this account deleted for them not being able to verify this nor provide the real address of the account they are claiming to be accurate. I know and understand that data resellers like XXXX seek out public information from the XXXX  system to violate consumers right to privacy and report information that they have no permissible purpose to report.

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