Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: PA
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:
Since sometime shortly after the beginning of this current year we are in. { i.e. roughly the first week of XX/XX/2021 } Experian 's online dispute center and subsequently Experian 's online dispute portal to submit online disputes has been completely unusable to me. I can not submit, review results, or update disputes to experian for my experian credit report. 

Since XX/XX/2021 the only way for me to dispute anything with experian in regards to my experian credit report is to telephone in for a live operator. the mere act of accomplishing is something of a feat itself. I'd rank it somewhere in between someone owing me money and the IRS In ease of getting a human voice to answer. 

Since this is the only was i can dispute anything with experian relating to my experian credit report, I've been calling on sort of a regular basis. experian is kind enough to have a way for me to view the results of these disputes submitted over the phone. They send emails that give a way to securely access these aforementioned phone dispute submissions. So, like sounds like a good solution to a dull headache of a problem right? Nope, not at all. Email after email with all these dispute results and not a single one will let me view said dispute results. 

So for well over 90 days now. I have to essentially time my calls with a time zone that's is like a crypo key changing every hour on the hour then play a wheres waldo button combination with an automated women 's that I honest have so much time wrapped up in hearing it, I fully expect for to ask me soon why I haven't introduced it my mom yet. Somehow If i get all that right and there's a full moon and I still remember why i was on the phone in the first place, finally I can talk to a real like person and mind you the first live person is never ever, ever who you need to talk to. So you get transferred around a time or two or four. I get to tell someone who has English as what id safely guess as a 3rd language whats my dispute. and then since i cant view anything online about the dispute, i have to call back in weeks later to see what didn't get fixed. because that's crux i have. all of my disputes have been just like 3 things. that i have to dispute over and over and over because nothing every gets fixed. 

I would to summarize this complaint up until. i realize that my frustrations have made my explanation and details just awful and confusing. 

Experian has it so i can barely have the ability to dispute my experian credit report. I cant dispute using their online dispute center. i have to call in to dispute. 

where ive past the point of my tolerance for a company providing a service and being acceptable that they are absolutely not providing that service at all. 

the fact that i can not view my dispute result in a tangle way. not online, not through email. they do not even mail me the results anymore. furthermore, they have failed to fixed the issue with why i cant do any of those things to view my dispute results. their advanced tech support was emailed screen shots of the errors i receive and no one even reached out to tell me their was nothing they could do. there was never a response. 

The account listed on my experian credit report. has been reported by experian on my experian credit report incorrectly for at least 16 months now. most of my disputes are related to that account and those inaccuracies. i submitted a complaint to the cfpb over 6 weeks ago about experian wrongly reporting the said account. there was no, not one change and my request to have it removed was defiantly not granted. 

Experian has been informed more than once that I have no way to properly be delivered my dispute results. ball park easily 10 disputes that experian is over 45 days on me having the results of those disputes.

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