Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Dear sir, I have checked the review of Experian on XX/XX/XXXX of XXXX ( report # XXXX ). It stated that I was requesting an accurate phone number to contact with Experian. I am not sure whether you want to say that I have never asked the accurate phone number of your company for the contact with me, even though you might want to know and request me to tell you may contact number to call me for acquisition of my personal information. Also, you have mentioned that I state the dispute item is in violation of the FCRA. Since I do not know what is the FCRA, I can not dispute in relationship with any violation of the FCRA, especially I am not a legal person to use any legal words to confuse any person in legal organization. Also, you have suggested the Credit Repair Organization Act, which I believe myself I am not in the category who needs it. From my limited knowledge and understanding, even though I have a question what you mean the completion of the services the credit companies promised, wince I have not had any issues with the credit companies. Anyway, I can not understand why the credit companies, you stated, need to mention they can not take consumers money without the completion of their services, which are renting money to the consumers. I might need to express the gratitude to these credit companies to instruct me I can cancel the contract of these money borrowing in three days. I hope seriously I will not borrow money enough to apply the Credit Repair Organization Act. I strongly want to contact with the Attorney of General why I continuously receive these advises for those in bankrupt from the private credit report companies of the United States, even though I am an identity theft victim. 
Also, on the CFPB report review ( report # XXXX ), you have mentioned that I have received a credit card offer and [ I ] want it to stop. As far as I remember, I have not received any credit card offer in mail more than one year. Honestly, I received the offers by emails and I asked your company, Experian, to stop sending me credit card offers, mortgage offers, and home loan offers. I believe I have received these e-mails from your company instead of regular mails due to the opt-out mailing system, which you mentioned. And I added the opt-out for a few months, last year, XXXX. I needed to make your these offers as phishing to erase and delete from my email inbox completely ; even though, somehow, I receive some offers. 
And I have checked your email dispute proceeding, which you often sent me. I understand you wanted to mention you have had the proceeding by mentioning the change of investigation month from XXXX to XXXX on XXXX XXXX XXXX. However, I want to ask you why you need to investigate on progress, even though you already made mess with my XXXX XXXX XXXXXXXX credit report, which I pay off every month and believe there is no issues. ( report number XXXX, investigation number XXXX by XXXX, I am not sure why this time, the Experian states the investigation number is XXXX ; even though I have not received XXXX and XXXX. ) Sincerely,

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