Consumer complaint received 2017-01-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I contact Experian several times regarding multiple inquiries that appeared on my credit report that were not authorized by me. I spoke to a rep on XX/XX/XXXX who was in the process of removing them when we their system went down and our call was disconnected. When I tried calling back, I could not get back through. I filed a dispute online about these inquiries. XXXX stated that there is no way to dispute the inquiries at all but the online process definitely let 's you dispute them. On XX/XX/XXXX they sent me an updated report via postal mail that stated they verified and reviewed each inquiry. When I spoke to XXXX different reps on XX/XX/XXXX ... they all could not tell me the process in which they use to verify that information appearing on my report is factual and correct. I found this to be a huge concern and for great reason because by their response, if they could not state how the items were verified and method they used, that means they did not verify or investigate the disputes. If they did not investigate or actual verify each inquiry in my dispute, then how did they know items where factually and correctly being reported? That is the biggest issue to date. The next issue of my disputes that were filed about XXXX inaccurate collection on my reports. Each time they stated that they verified that the information and it was being reported correctly. I called and sent 2 certified letters with return receipts to Experian requesting specific information about how they verified that the information was correct and reporting accurately. I sent the letters starting XX/XX/XXXX and again XX/XX/XXXX which was at least 30 days apart. Also called and spoke with them about the disputed accounts. Please be advised that this is my THIRD WRITTEN REQUEST asking Experian to remove the unverified accounts listed that remain on my credit report in violation of 15 U.S.C. 1681. Experian is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first/second re-investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? They did not provide me with the name of that individual, their business address, and telephone number. So as you can see, they failed to verify the accuracy of several disputes I have filed. I am most certain that they are not following FCRA guidelines set in place to protect consumers from unfair reporting and inaccurate information being reported. Why are they refusing to do their due diligence? Why have they lied about actually investigating and actually verifying inaccurate information being reported.

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