Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian keeps sending me the same email over and over refusing to address the misinformation on my credit report. The same email they keep sending me over and over saying the dispute is not from me yet, i have told them it's me, given them my personal information along with copies of my ID, Social and Proof of my address. I filed a complaint against them already for this same issues and their excuse was " I didn't provide enough information for them to investigate. '' If that was the case why would they send me an email stating they don't believe the disputes were from me? 

This is what I sent them : You are required by law to address my disputes and correct, complete, and verify them within 30 days, I am asking you again to please investigate following accounts that you are misreporting : XXXX XXXX XXXX : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. 

XXXX XXXX XXXX  : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the last date reported is inaccurate and different on the other bureaus, the last date active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. 

XXXX  XXXX : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the comments are inaccurate and different on the other bureaus. 

XXXX XXXX  : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the comment are inaccurate and different on the other bureaus, the date of last payment is incomplete. 

XXXX  : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the last date reported is inaccurate and different on the other bureaus, the last date active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. 

XXXX XXXX  XXXX XXXX Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the comments are inaccurate and different on the other bureaus. 

XXXX XXXX XXXX  : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete. 

XXXX XXXX : Account number : XXXX, The account type is inaccurate and different on the other bureaus, the monthly payment is incomplete, the terms are incomplete, the credit limit is incomplete, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete. 

XXXX XXXX XXXX : Account number : XXXX, The account type is inaccurate and different on the other bureaus, the monthly payment is incomplete, the terms are inaccurate and different on the other bureaus, the credit limit is incomplete, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. 

XXXX XXXX XXXX : Account number : XXXX, The account type is inaccurate and different on the other bureaus, the monthly payment is incomplete, the terms are inaccurate and different on the other bureaus, the credit limit is incomplete, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. 

XXXX XXXX XXXX : Account number : XXXX, The account type is inaccurate and different on the other bureaus, the monthly payment is incomplete, the terms are incomplete, the credit limit is incomplete, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete. 

Now tell me how that is not enough information for them to investigate the accounts. Experian refuses to process disputes, they continue to violate my rights, and they do not comply with the law. I have done a lot of research, most on the CFPB website, and don't understand how they are allowed to get away with this? Why doesn't the CFPB do anything about this? Experian is corrupt.

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