Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In XXXX of XXXX, I sent a dispute to Experian disputing and requesting verification of the following items listed on my credit file. 

XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX Acct # unknown The dispute was received by Experian via Certified Mail Return Receipt Requested on XXXX XXXX, XXXX XXXX see attachment ). As you know, the FCRA requires the Credit Reporting Agency to respond within XXXX ( XXXX ) of the dispute. Experian never responded. In XXXX, I sent a demand letter to Experian via Certified Mail Return Receipt Requested ( received XXXX XXXX, XXXX XXXX asking them to remove all items that they failed to respond to in accordance with the law, the FCRA. On XXXX XXXX, XXXX, I received a credit report, with a response, stating that the items would remain as a result of the investigation. I specifically stated in my XXXX XXXX letter that this was not a second dispute or a reinvestigation, but rather a demand for deletion do to their failure to respond to my XXXX XXXX dispute within 30 days as required by law under the Fair Credit Reporting Act. On XXXX XXXX, XXXX, I called Experian to inquire on why my demand letter was treated as another dispute, I was tranferred to XXXX, on the XXXX team. I explained in detail the reason for my call and advised him that the items disputed in XXXX must be removed in accordance with the FCRA due to Experians failure to respond within 30 days. XXXX told me that it was not possible. I responded by telling him that it was the law and Experian failed to respond. He initially to admitted that Experian did not respond at all and then quickly backtracked his statement saying that a response was mailed and then eluded that it got lost in the mail. I then asked for the date that the response was mailed and he could not provide one, stating that he didnt have a specific date because Experian could not generate another response from their system. I told him that the FRCA requires Experian to send me ( the consumer ) a written response to which he replied that there was nothing Experian could do because they were not responsible for lost mail and that I should have looked for the results online. I explained to XXXX once again that it was still Experians duty to provide me with a written response. I also asked him to provide me with the FCRA requirement, Law or statute that states that the consumer must get the results online, to which he responded, Im not here to discuss the law. I reminded him that he still had a duty to follow the law and provide a response. I once again asked him provide me with the law and he responded, I can not answer that. and " no one at Experian is here to discuss the law. '' The call ended. I am requesting that the CFPB intervene on behalf of me, the consumer, and demand Experian remove the four items in question as they failed to respond to me the consumer within the required time frame of in accordance with the FCRA. 

Attachments include XXXX XXXX, XXXX Certified Mail Receipt of XXXX XXXX Dispute XXXX XXXX Demand Removal of Items for Failure to respond to XXXX XXXX request and its Certified Mail receipt of the letter XXXX XXXX, XXXX