Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent Disputes to XXXX XXXX, and Transunion, in XXXX and my whole dispute was ignored with responses that had nothing to do with my dispute. It has been well over 30 days and there are no answers. I don't think that anyone did an investigation into my disputes because too many closed accounts are still there with a balance. My rights to dispute have been violated because there were no investigations conducted by XXXX XXXX, and Transunion. 

Because of these reports from these credit reporting agencies, I cant get a Credit Card or a loan to start up my business. The only credit bureau is the CFPB and they dont give credit scores. But the Credit Agencies are so trusted by the credit card companies that they are denying me the right to credit because of bad credit scores from these illegal listings. I told them I didnt give them the right to post my private information, and it must be taken down. And these credit scores have everyone denying me not knowing that they dont investigate disputes. I know that they didnt investigate my dispute because there are still reporting on their third-party website things like closed accounts with a balance, and its impossible for a close account to have a balance. According to the IRS, Closed account/charge off account are Ordinary INCOME, and I am supposed to be sent a XXXX and never got itXXXX XXXX  XXXX, and Transunion ignored my dispute, and they ignored the laws. I have the right to privacy, and I shouldnt be denied my rights as a consumer. 

I am at the edge and do not know what to do. If nothing is done, I will have to close my business and file for bankruptcy. No one wants to fund, give credit or even give a real bank account to my business after checking my personal information that the third-party credit agencies are illegally reporting and sharing to everyone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied me for a business bank account and credit due to age of business, age of credit and my personal credit score and are listed as hard inquires on the credit reporting agencies that destroy the credit score even more ) That is violation of privacy and as a consumer, I am not supposed to be denied credit because of credit score and credit history ( 15USC 1691 and 12 CFR 1002 ). This has really hurt the credit scores, my life, my mobility and my business. Illegal reporting by law is {$1000.00} per transaction and every month it's reported. 
I wanted to call in but the last person I spoke to on the CFPB XXXX line XXXX The young lady hung up on me because I asked something she didnt know the answer to. So please dont ignore this complaint because these things are infringing on my XXXX given right to live. So, I am writing and praying that something be done because if not, I will have to close the business I opened that I never got pass the startup phase due to these barriers. If there is no help, I will have to then file for bankruptcy ( I don't want to file bankruptcy ) because it has become impossible to live. I can't get a loan, housing, car, proper job, credit, bank account for myself or for my business all because of illegal and inaccurate credit reporting they dont want to investigate. All I know is that theres an XXXX of big XXXX XXXX against little ol me. I have been ignored and now suffering because they refuse to investigate and fix the reports. I asked them to remove it and they didnt. Now Im speaking with CFPB. To please help fix all these credit reports that these third-party credit reporting agencies have reported against my will, so I dont have to close my business and file for bankruptcy.

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