Consumer complaint received 2025-02-08 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: MA

Complaint narrative:
I have been disputing several accounts on my credit reports for months, and I either receive a " verified '' response, or no response at all. You would think that with all the legal issues going on with the CFPB that they would like to comply ; but, to no surprise, they still do not. Recent findings by the CFPB have brought to light significant concerns regarding their failure to conduct proper investigations. Specifically, in a lawsuit filed against them, the CFPB alleges that they engage in sham investigations, violating consumer protection laws by failing to meet their obligations under the FCRA. If they respond at all ( which is rare ) with " verified '', they do not provide a verification method. Simply asking a creditor and " taking their word for it '' or running disputes through " eOSCAR '' are not proper verification methods since they must conduct their very own independent investigation. To no surprise, they continue to fail to do so. XXXX is enough. 

Since conducting a proper independent investigation is impossible for these credit bureaus, I have done some simple research on my own : " XXXX XXXX XXXX '' ( and/or any variation of it on my credit reports ) is not legally allowed to conduct any business in the XXXX XXXX XXXX They are not registered with the XXXX of the XXXX. " XXXX XXXX XXXX XXXX XXXX XXXX '' is attempting to collect on that debt, but even they are not allowed to conduct any business in the XXXX of XXXX. Their most recent XXXX Report filed expired on XXXX XX/XX/XXXX. Today is XXXX XX/XX/XXXX and they still have not filed for XXXX. 

" XXXX XXXX XXXX XXXX '' ( and/or any variation of it on my credit reports ) is not legally allowed to conduct any business in the XXXX XXXX XXXX. They are not registered with the XXXX XXXX XXXX XXXX 

" XXXX XXXXXXXX XXXX '' ( and/or any variation of it on my credit reports ) is not legally allowed to conduct any business in the XXXX XXXX XXXX. They are not registered with the XXXX XXXX XXXX XXXX  ; they were actually revoked by the XXXX XXXX XXXX XXXX 

" XXXX XXXX '' ( and/or any variation of it on my credit reports ) is not legally allowed to conduct any business in the XXXX XXXX XXXX. They are not registered with the XXXXXXXX XXXX XXXX XXXXXXXX. 

" XXXX XXXX XXXX '' ( and/or any variation of it on my credit reports ) is not legally allowed to conduct any business in the XXXX XXXX XXXX. They are not registered with the XXXX XXXX XXXX XXXX ; they were actually voluntarily dissolved with the XXXXXXXX XXXX XXXX XXXX 

" XXXX XXXX '' ( and/or any variation of it on my credit reports ) is not legally allowed to conduct any business in the XXXXXXXX XXXX XXXX They are not registered with the XXXXXXXX XXXX XXXX XXXXXXXX. " XXXX XXXX XXXX XXXX XXXX '' is attempting to collect on that debt, but even they are not allowed to conduct any business in the XXXXXXXX XXXX XXXX ; they were actually voluntarily dissolved with the XXXX XXXX XXXX XXXX 

I have been on the XXXX XXXX Not XXXX XXXX since XXXX XXXX XXXX. Evidence will show that I still continuously receive phone calls and voicemails which are in direct violation of my rights. I continuously receive calls from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or any variation [ XXXX ] of them on my credit reports ).

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