Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please refer back to complaint XXXX from the CFPB. I also have filed 2 XXXX XXXX XXXX complaints, which they also never sent a written response about. Yes, I did speak with XXXX from Consumer Affairs, but she stated there was nothing she could do to get my dedicated fraud specialist or anyone from memberships to contact me. This is NOT customer service. I pay {$43.00} a month, which I want returned since no one is willing to help me. When I called XXXX XXXX, as the XXXX  complaint states, XXXX the Supervisor from memberships absolutely refused to even look up my membership, give me any information on my account, and refused to even talk on the phone for 51 minutes she had me on the phone. All she would do is type in the background, breathe deeply into the phone, and upset me more and more.

NOW, Experian royally messed up by completely deleting a positive and current trade line I have with XXXX, and I have had since XXXX or so. They deleted the entire trade line without any authorization of mine or XXXX  and destroyed my credit score, length of credit history, and dropped my credit line by {$2700.00}. This card has always been paid in full and/or on time since I had the card from the beginning. None of the other CRAs did anything with my XXXX XXXX, only Experian, who I pay monthly. 

I have now tried to contact the 3rd assigned Fraud/Credit Specialist , which I pay for. His name is XXXX. I left him 5 different voice mails, talked with his coworkers who have left him messages to call me, which he absolutely refuses to do so. I was told 2 days ago by XXXX, the representative who sits near him, that he was coming in at XXXX XXXX. that afternoon and she would follow to make sure he called. Did anyone call me? NOPE. I need to speak with him to fix my XXXX account, and I am requesting any and all documents on why this was deleted and who authorized it. 

Reference to the previous CFPB and XXXX  complaints, there were many accounts I had been fighting since XXXX because they were complete fraud. All but one were successfully deleted. While I appreciate this, on that FTC report, it had a very old XXXX account which was involved in the fraud. I wrote an entire explanation telling them that XXXX took care of that account within XXXX hours and I had a new card sent in the mail within 5 days. I told them as well as the other CRAs to NOT dispute the XXXX account ( old account number and different card ) as well as a XXXX XXXX XXXX which was closed by me and had already been taken care of by them. It was on the FTC reoport, but I specifically stated DO NOT DISPUTE THE XXXX OR XXXX XXXX  ACCOUNTS. What did XXXX do? Exactly what I told them NOT TO DO. I PAY {$43.00} A MONTH FOR THIS CONSTANT XXXX UPS AND NO ONE TO CALL ME BACK??? WHY? I WOULD GET THE SAME EXACT HELP WITH THE EXCEPTION OF THE FRAUD INSURANCE AS A NON-PAYING CUSTOMER. 

I CAN'T SAY THIS ENOUGH, WHICH I AM SURE THIS WILL NOT BE READ, AND THE COMPLETE OPPOSITE WILL BE DONE. I AM MAKING IT VERY CLEAR : DO NOT DISPUTE ANY ACCOUNT ON THE PREVIOUS FTC OR POLICE REPORTS. EVERYTHING IS FINE BESIDES THE XXXX ACCOUNT. THEY DELETED IT, AND I WANT TO KNOW WHY AND WHO DID IT. BUT I AM POSITIVE NO ONE WILL PROVIDE THIS AS PER THE FCRA AND NYFCRA REGULATIONS.

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