Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This complaint submission is regarding EXPERIAN CREDIT BUREAU, of what has been now going on for several months of investigating for XXXX alleged accounts by XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ). I have now disputed these account twice by certified mail. All in which EXPERIAN failed to properly investigate. I have submitted all documents to show my attempt to validate this debt. XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ). has failed to respond after the statutory time frame. EXPERIAN also has failed to send me the investigative process of how they concluded the results of this DISPUTE, which was made on XX/XX/year>. I made several attempts to rectify this matter directly with both XXXX XXXX and EXPERIAN CREDIT BUREAU. I have submitted all documents to show my attempt to validate this debt with XXXX XXXX directly in which a Debt of Validation letter was also sent to them via Certified Mail on XX/XX/year>. 

I requested them to investigate this matter with efficiency. I have submitted all documents to show my attempt to validate this debt. I requested XXXX XXXX to send me any documents indicating my involvement with that alleged debt and binding signature confirmations of so. They refused to comply with any of my request and rather this account report negative on my file. They have continuously failed to comply with the law and show proof and signature agreement indicating I owe them this alleged debt. 

A FINAL DEMAND LETTER was mailed directly to re-investigate. I have submitted all documents complying with FCRA regulations. XXXX XXXX has once again neglected all requests that under law theyre obligated to validate. It has been a total of ( 3 MONTHS and 14 DAYS ). These actions have exceeded the statuary 30 days required by law and they have failed to honor that. As a dispute has been formally filed to EXPERIAN, they have also failed to comply with the Fair Credit Reporting Act and has continued to unlawfully report this alleged debt as a Valid account. There have not presented their source of investigation, no presented any signature by law indicating this alleged debt is valid. 

On XX/XX/year>, I reached out to EXPERIAN once again which was an overall disaster speaking to the representatives. None of the representatives would assist me or explain what was the investigative process to reach the results of the dispute. The representatives ultimately hung up the phone. EXPERIAN has now twice failed to honor my right as a Consumer of the United States of America and has violated the Fair Debt Collections Practice Act, 15 USC 1692g. All documents attached will reflect the legal process I followed to validate this allege debt on my file. The issue at hand is that these XXXX accounts by XXXX XXXX, are the " ONLY '' accounts that is being reported in collections. This has caused significant financial hardship on my family and I preventing me from any further lending opportunities. I continue to have issues with receiving house loans, credit card offers, or credit increases. As an XXXX XXXX XXXX, I am saddened that I am a victim of this Systematic Racism preventing me from excelling financially within this Economic System based on CREDIT REPORTING. Beyond the algorithms that come into play, we as people do have the opportunity to make a choice. A choice between what is right and what is wrong. I am a husband and a father and have to suffer financially due to this XXXX account. EXPERIAN has also failed to provide any documents pertaining this account or anything indicating my legal obligation, or signature proof what so ever. I believe no investigation took place to thoroughly examine this account, because if so, they would see all documents submitted and instantly remove this alleged debt. I asked that EXPERIAN thoroughly examine all documents provided and to honor the Fair Debt Collections Practice Act, 15 USC 1692g and my request to have this account be removed. I am hoping we can all identify with this inhuman like treatment and that I should not continue to suffer from this financial burden. Please review the documents provided with a complete unbiased decision to honor my request, as it is the legal obligation of a Credit Bureau. I am advised by my attorney to inform you that all correspondence have been forward to his office as well, as a failure to respond and rectify this matter accordingly will result in immediate legal actions.

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