Consumer complaint received 2025-04-06 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/XXXX 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 XXXX  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/XXXX but have not provided in writing and given proof from the other party XXXX. 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. ( Update ) What I received this morning is more general information about my dispute, not information on how the dispute was investigated, such as when the information was sent over, when did the other party ( XXXX  ) respond and also if they provided documents to prove my dispute as wrong, send those to me. Honestly CFPB, what XXXX has done is criminal, this is an act of Fraud, there is a Paid off account that they know about that was not reported to the Credit Bureau. By law they are to report accurate information are they not? Someone in CFPB please mistake me if this statement is incorrect " companies are generally required to report both positive and negative information to credit bureaus, including that an account is paid, and can not selectively report only negative information ''. XXXX is selectively reporting information to Experian, because they know that if they report about the 0 % loan that was taken out on XX/XX/XXXX, that I had to pay {$430.00} of the {$870.00} XXXX percent loan, just to even get it ( loan XXXXXXXX ). They would have to explain why it was paid off, because I never agreed to the loan being " paid off '' ( canceled ), because they never received any consent of mine to do so. This is my dispute, and Experian has not investigated this information, they only investigated the Charged Off accounts ( loan XXXXXXXX and XXXX, which was a high interest loan taken out, due them saying that they would escalate the issue that happened with loan  XXXX, and they never did from the last time I spoke with XXXX  on XX/XX/XXXX, they still allege it is being escalated ) that are a result due to XXXX  committing a deceptive trade practice against me. XXXXXXXX XXXX Arbitration clause can not protect them against this. This is complete fraud reporting. Ask XXXX  for their phone records CFPB that happened on XXXX XXXX, regarding my issue, I spoke with from XXXXXXXX XXXX to around like XXXXXXXX XXXX that night, called and spoke to three different people, one of them a manager whose name is XXXX. This is the one of the claim numbers that was given to me XXXX. Look into it and you will see CFPB. Also again Experian is participating in Sham Investigations, because I have explained over the phone about the loan XXXX not being reported, and they are refusing to investigate that.

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