Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
CFPB PLEASE TAKE NOTE, EXPERIAN AGAIN FOR THE SECOND TIME REFUSED TO RESPOND TO THE SUBSTANCE OF MY PREVIOUS 2 COMPLAINTS. THEIR RESPONSES HAS ABSOLUTELY NOTHING TO WITH THE SUBSTANCE OF THE INITIAL AS WELL AS THE SECOND COMPLAINT SO I WILL DO A THIRD FOR THE SAME MATTER ON THEIR VIOLATION OF FCRA 611 ( A ) ( 1  ). This again is in response to Experians reply to my Complaint # XXXX. On XX/XX/XXXX, were as complaint # XXXX was in response to Experians reply to Complaint # XXXX, on XX/XX/XXXX. Both of my Complaints were addressing specifically, EXPERIANS VIOLATION OF THE FCRA SEC. 611 ( A ) ( 1 )  This violation Experian committed for failing to start an investigation that stemmed from EXPERIAN NOT STARTING OR COMPLETING A INVESTIGATION IN 30 DAYS AFTER RECEIVING MY DISPUTE LETTER DATED XX/XX/XXXX. THIS DISPUTE WAS MAILED VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX AND SIGN AND RECEIVED BY EXPERIAN ON XX/XX/XXXX. In the first complaint I filed ( # XXXX ) Experian replied and I quote Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request end quotes. On the Second complaint # XXXX where I replied to there response from # XXXX complaint by pointing out Experian not addressing the violation stated, then I repeated the substance of the initial complaint which was their failure to investigate a dispute letter with in 30 days. This dispute letter was certified mail # XXXX XXXX XXXX XXXX XXXX in which the signed and received it on XX/XX/XXXX, this is day one of the 30 days. There was no investigation or response during 30 days which I can prove when I take legal action. Experian responded to the 2nd complaint ( # XXXX ), which is identical to the 1st complaint ( # XXXX ) by them telling me they are going to send me a Credit Report for me to Review. Nowhere in my 2nd complaint did I ask them to send a Credit Report and instructions on how to correspond to Experian. THIS WAS THEIR RESPONSE TO VIOLATION OF FCRA SEC. 611 ( A ) ( 1 ) IN CFPB # ( XXXX ). AGAIN FOR THE 2ND TIME THEY DID NOT DISPUTE MY CLAIM OF THEM RECEIVING MY DIISPUTES LETTER AND FAILING TO INVESTIGATE THE ACCOUNTS IN QUESTION. FOR THIS SPECIFIC VIOLATION, IVE ASK FOR IMMEDIATELY DELETION OF 1. PUBLIC RECORD 2. XXXX # XXXX 3. XXXX  XXXX XXXX # XXXX 4. XXXX XXXX  XXXX 5. XXXX BUT SINCE EXPERIAN WILL NOT ANSWER THE SUBSTANCE OF THE PREVIOUSE 2 COMPLAINTS AND KEEPS TALKING ABOUT THINGS THAT HAVE NO BEARING ON THE FACT THAT EXPERIAN SIGNED AND RECEIVED MY COMPLAINT ON XX/XX/XXXX AND DID NO INVESTIGATION ON THE ACCOUNTS LISTED ABOVE. I WILL SERVE EXPERIANS REGISTERED AGENT WITH LEGAL ACTION. THE ONLY WAY TO STOP THE LEGAL PROCEEDING IS TO DELETE THESE NEGATIVE ACCOUNTS UPON RECEIVING THIS FINAL COMPLAINT WHICH WILL BE USED IN COURT TO SHOW EXPERIANS WILLFUL AND HARMFULL NEGLIGENCE. 

CFPB please take note I will upload documents again that Experian is in possession of so they have been in the know of the errors and inaccurate reporting. Experian please be caution of your response, to your violation of FCRA 611 ( A ) ( 1 ) under these violation all you can do is DELETE ACCOUNTS there is no other suitable outcome other than financial if we go to court.

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