Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir, I have reviewed your company response toward the CFPB reports ( XXXX & XXXX ) written on XX/XX/XXXX. As far as I remember and from the content of complaints, I asked your company to refrain from sending me any promotional emails of credit card offers, since I am not interested in getting anymore credit card of the United States, since most of them, except one from the XXXX XXXX XXXXXXXX, continuously have the issues to be mentioned and complained. And as far as I remember, I continuously asked the explanation why duty alert was once added to my credit report even though I was a XXXX XXXX. Also, I have requested the explanation why your company has the right to delete the information of monthly payment once and add again in my credit report, as if there was nothing at all to be complained and trying to hide your fault or illegal activities. After getting XXXX  credit cards, so far, I have paid off every month ; therefore, I do not have any reasons to be mentioned the credit repair organizations of your country, even in XXXX. Therefore, if you can, would you clarify why your company believe I need the service of credit repair organizations? Even though it is not clear whether you want to mention the Fair Credit Reporting Act or the Credit Repair Organization Act, since I do not need to receive any service from any credit repair organizations, you do not have to mention I do not have to pay any money to these organizations. I believe, if these organizations do fair works to repair the consumers credit score, they can request the fair fee to the customers. Because I was a victim of the identity theft and pays of every month, I do not think these organizations help me to repair my credit. If I need to repair the credit due to the fraud activities of perpetrators, I will ask all authorities, including police, consulate, federal organizations, XXXX XXXX, non-profit organizations which protect the human rights, international lawyers, attorneys, and XXXX consulate. Anyway, since your company is just a private credit report company, I believe you do not have any right to XXXX  in data furnisher of my credit cards, that mean XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I understand that credit repair organizations can not remove inaccurate credit information from my credit report, since their job is to help the repair of credit of the customers, not repair the inaccurate information on the credit reports. I believe the repair on the credit reports is your job with appropriate explanations to the customers, who receive the damages by your action. Since your company has not answered any questions and requests, following your advice, I will send this letter to the Attorney of General, New Jersey. Also, I have received two postcards from the address, XXXX XXXX XXXX XXXXXXXX, TX XXXX. From the content of these postcards, I have assumed they were sent by your company. They are asking the removal of my name from preapproved credit offer mailing lists. Since I do not want to receive any preapproved credit offer from any companies by mail and emails, I decline to receive any more these postcards, too. I appreciate your understanding above mentioned matters. 
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 non-monetary relief