Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
Page XXXX XXXX XXXX XXXX XXXX Consumer Number : XXXX XX/XX/year> CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re XXXX CFPB Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This correspondence is in response to the complaint XXXX XXXX XXXX XXXX ( XXXX ) received from your office on XX/XX/year>, on behalf of the consumer ; XXXX XXXX XXXX, in which the consumer disputes the alleged inaccurate reporting of XXXX and judgment records on their file. Thank you for your patience while we reviewed this matter and prepared the appropriate response. 
In an effort to resolve the consumers concern, XXXX initiated a dispute, and that investigation was resolved on XX/XX/year>. During our investigation, XXXX did not locate the following records listed below in the consumers file with XXXX : Liens and Judgments Filing Number : XXXX XXXX XXXX XXXX XXXX A resolution letter outlining the results of our reinvestigation, the consumers statutory rights and their XXXX Consumer Disclosure Report will be mailed directly to them for their review. 
Disputed liens and judgments submitted to credit bureaus. Please be advised XXXX does not produce consumer reports that contain tradeline data. XXXX is a reseller of credit reports from the XXXX nationwide consumer reporting agencies Experian, XXXX, and XXXX and follows the reinvestigation requirements outlined in the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) for disputes of the information therein. 
XXXX submits disputes to the originating consumer reporting agency and forwards the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies completes their reinvestigation. 
In an effort to resolve the consumers concerns, XXXX initiated a dispute of the liens and judgments as stated above with the nationwide consumer reporting agencies on their behalf. XXXX will notify the consumer via mail Page XXXX XXXX once the credit bureaus complete their investigation ; however, please note, the bureaus XXXX contact the consumer directly with the results of the investigation. 
If the consumer has questions about how and what information is displayed on a credit bureau report, they must contact the credit bureau directly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.experian.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order Credit Report : XXXX Report Fraud : XXXX www.transunion.com Under the FCRA, XXXX consumer has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Add a statement to their file disputing the accuracy or completeness of information. The statement will remain on their file and will be furnished to recipients of the file as long as the disputed information is still used ; and Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by them who has received a XXXX XXXX report for employment purposes within the past XXXX years or received a XXXX XXXX report for any other purpose in the past XXXX months ( XXXX months for residents of Colorado, Maryland, and New York ). 
The consumer XXXX contact the XXXX XXXX XXXX via email at XXXX or by phone at XXXX. The XXXX XXXX XXXX 's hours of operation are Monday - Friday from XXXX AM to XXXXXXXX XXXX XXXX XXXX. If the consumer has questions about their XXXX Consumer Disclosure Report, they may either call the XXXX XXXX XXXX or go to our Consumer Portal at XXXX : XXXX. 
Thank you for allowing XXXX the opportunity to assist the consumer. 
The XXXX XXXX XXXX. 

Now my response to this letter is as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : CFPB Case # XXXX To Whom It XXXX Concern, I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced case. I would like to clarify my position concerning the financial information in my consumer report. 

I am not disputing the accuracy of the XXXX and judgment records mentioned ; rather, I am requesting that you include my financial transactions, which are public records, in my consumer report. Specifically, I am asking for the documentation of my XXXX financial obligation to be added, as these transactions represent a significant aspect of my financial profile. 

It is my understanding that XXXX maintains comprehensive reports that reflect various financial transactions, and I believe it is only fair that my information, similar to that of your paying customers, is included. Public records should be accessible and documented in line with other trade lines and financial transactions. 

I urge you to visit the XXXX of XXXX of XXXX website at XXXX XXXX XXXX where you can input the relevant document numbers and account numbers to retrieve my XXXX records and XXXX they are reflected in my consumer report. Below are the pertinent filing numbers for your reference : XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to your timely response confirming that the requested public financial records will be included in my report. 

Sincerely, XXXX XXXX XXXX My Consumer Number : XXXX For verification purposes, I have attached copies of my Social Security card, drivers license, and proof of address. I trust this will ensure a smooth verification process

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