Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: CA
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:
In the past and present, I have addressed inaccurate information on my Experian Credit Report, by contacting Experian US Customer Service, Experian US Fraud Department, which has been immensely heartbreaking. For example, on XX/XX/2020, I received an alert from Experian stating my credit score has decreased, I immediately accessed Exeperian Account and noticed a new creditor, XXXX XXXX XXXX, I immediately contacted Experian Fraud Department and initiated a disputed, to which I received confirmation.. In addition, after thoroughly researching XXXX XXXX XXXX, the phone was not in service, therefore, On XX/XX/2020, I contacted Experian Fraud Department and inquired about the Fraud investigation, and as usual or not to my surprise, XXXX stated, it is too much paperwork to verify the reporting agency information, wait the 30 days, which will end XX/XX/2020. Furthermore, I was informed the investigation was my responsibility. Therefore, I implied, my investigation stopped when the phone was out of service. Next subject, in the past I have disputed other information, which was supposed to removed in the first six months of 2020, however, every time, I disputed inaccuracies to the reporting companies, the date changes and pushes forward the deletion date further. I inquired and complained to Experian Customer Service attention several times, and the response I receive is, " it is up to the reporting agency, '' my response " in a fair society, Experian is supposed to report the truth, not side with someone who has paid their bills. '' In addition, because I pay for the monthly subscription, I have a copy of all the before and after disputes. For example, I disputed a company four times, and each time the date of deletion has changed with the most recent XX/XX/2020 instead of XX/XX/2020. Experian Customer Service has displayed uncaring professionalism, quoted inaccurate FTC policies, and openly displays racism. For example, I have spoken to XXXX more than one time and her behavior exemplifies my description. Next, with the exception of the one account, I have spoken to the companies, who have stated to remove derogatory accounts from credit report, and Experian has found a way to not honor the companies request, by not doing their jobs, and demanding more information, by bullying the company to not remove this information. Finally, I had one company, who did not take being bullied lightly and in XXXX  2020 removed the derogatory information from my report, however my Experian Credit Score did not increase. Instead, I received other promotions from Experian, which required my banking information. Experian Credit Bureau is dishonest, deceitful, unprofessional, and racist. Therefore, please investigate my descriptions.

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