Consumer complaint received 2022-07-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom It May Concern, I am a natural living person and no credit repair organization represents me. 

On the XXXX of XX/XX/XXXX, I filed a complaint on the CFPB website with the following ID number : XXXX and labeled Incorrect information on your report. This report was in regards to the multiple names and addresses that were displayed on my profile. XXXX response stated the following : " Unfortunately, we are unable to process your dispute or disputes, as it is not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. The reason why I was not able to provide the specific names and addresses within the CFPB platform was due to privacy reasons and CFPB guidelines. 


After that letter, I filed multiple complaints and pursuant to CFR 1022.123 ( a ) ( 2 ) provided proof of my identity directly to them. On the XX/XX/XXXX, In connection with complaint ID XXXX, Experian stated that on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they received those documents, but willfully did not comply with the rules and regulations of the FCRA by not removing the incorrect information and only responding with a template-based form stating that the information they had was correct. 

On the XXXX of XX/XX/XXXX, upon their unwillingness to rectify the issue, I sent them a notarized letter directly via certified mail addressing the inaccuracy of the names and addresses being displayed on my consumer account. This letter was accepted by one of Experian 's agents on the XXXX of XX/XX/XXXX. 

On the XXXX of XX/XX/XXXX, After multiple attempts, Experian finally responded with the following : Upon further research and re-investigation, and in accordance with the FCRA, we are in the process of removing the referenced information. ( Refer to complain ID : XXXX ). 

Experians dismissive actions of reporting inaccurate and misleading information on my consumer profile have severely damaged my general reputation, creditworthiness, and character over the years, despite multiple complaints to Experian that the information did NOT belong to me. 




Experian 's inability and unwillingness to resolve the matter within a reasonable time and after so many attempts severely affected the integrity of my consumer report along with my ability to apply for personal credit. This, in turn, caused me emotional and financial distress. 

Experian 's actions have also resorted to a loss of time and money. Having to defend the accuracy of my consumer profile produced years of miscellaneous expenses associated with, but not limited to, notary fees, faxing fees, postage costs, mileage, telephone charges, additional administrative supplies, and service fees, along with the charge of consulting with an attorney over the years regarding these matters. 

Experian has continued to violate my rights as a consumer under the Fair Credit Reporting Act, which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements. Experian did not meet those requirements and has shown a failure to properly verify the information it furnishes. 

Experian 's actions have not been equitable and I am requesting adequate compensation for defending myself over the years due to their willful noncompliance with the rules and regulations of the FCRA. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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