Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute on XX/XX/year> against XXXX for providing incorrect information to Experian, regarding two loans that I had with them. At the time I didn't provide all of documentation, so again I submitted a dispute with Experian on XX/XX/XXXX online, providing all of my documents. After receiving another denial, I called to request documents from the investigation, because Experian says in their dispute process as certain allowances or rights that we have as a consumer regarding the dispute " If interested, you have a right to also request a description of how the reinvestigation was conducted along with the business name, address and telephone number ( if reasonably available ) of the furnisher of information. '' I requested this information with the representative, that I waited over an hour to talk to, after I was hung up on 3 times by other reps, but I received nothing from them. I informed the rep of why I am disputing the charge, and how XXXX is not reporting to Experian about a loan that was paid off, due to Affirm cancelling the loan, without my consent. I am asking for proof that they received from XXXX that enforces them ( Experian ) to not change the information on the report as well as the dispute that I submitted over the phone with representative, exactly what did the rep say. The dispute I submitted with the rep, was also denied, but there is no explanation as to why that Experian can provide me based off whatever information or no information that they received from XXXX to defend the charge as valid, and information correct. Experian does not care about the consumer, only care about the companies that report the information to them regarding consumer accounts. Experian is in cahoots with XXXX it seems. I have attached all documentation of why the information on my credit report, and also how a loan that was cancelled for {$870.00} by XXXX, and considered paid off, is not on my credit report, plus have provided information that Experian is not providing proof as to why they are denying my dispute. They have denied my dispute again XX/XX/year> but have not provided in writing and given proof from the other party Affirm. If I want in writing a description of how they investigated my claim, and not just in general, they allege, that they will provide that, I have yet to get this information. Due to the economy, and the fact that people are losing their jobs, maybe Experian has not adhered to the previous lawsuit and are commiting " Sham Investigations '' again. I should be able to either see proof of documents they have received from the other party involved in my dispute ( XXXX ) or given a written description of how MY claim was investigated, not a general one, because that is not what they allege they will provide, when we request a description of how the dispute was reinvestigated. Experian also split of the dispute up into two investigations, I never requested that at all, that was their own doing. SHAM INVESTIGATION AGAIN IT SEEMS.

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