Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: TX
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:
To Whom It May Concern : This letter is a formal complaint against Experian. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I & # 39 ; ve sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. 
1. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it & # 39 ; s all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 
2. There is one account, in particular which they just refuse to investigate XXXX XXXX, yet they turn around and tell me that this account was verified by the Creditor. However, I & # 39 ; ve contacted the creditor and they have no record of a dispute verification request from this or any other agency regarding an account for me. 
3. I & # 39 ; ve actually disputed with XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I & # 39 ; m even in dispute with them via XXXX XXXX XXXX XXXX. And I & # 39 ; ve sent every piece of proof that Experian could possibly need to correct this erroneous information on my credit report, yet they refuse to do so. 
That being said, I feel as though I am being fraudulently attacked by this credit reporting agency and I also feel as though they are supporting the reporting of erroneous information on my credit file because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they & # 39 ; re simply ignoring the proof that I & # 39 ; ve sent them. 
I & # 39 ; m well aware of the thousands of other complaints against this agency on a daily basis. 
So my question is, where does it stop? And does your commission know about the feature they have in their & quot ; electronic verification process & quot ; known as a & quot ; reply all & quot ; function which allows the creditor to verify an account without ever even looking at it and/or investigating it? It & # 39 ; s right on their website! And if you do know about this, how in the world can you justify it?! Please investigate the credit reporting practices of this company. I & # 39 ; m requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. If there & # 39 ; s anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter. 




Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX

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 non-monetary relief