Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On or about XXXX - XXXX XX/XX/year> I contacted Experian to dispute some personal information on my credit profile. The first representative " XXXX '' told me that certain information was not able to be disputed because it was being reported by a creditor. After a brief moment of arguing with the representative, I requested a supervisor. I was then transferred to a supervisor, who was then able to help remove some of the personal " inaccurate '' information on my credit profile that the representative stated he was not able to do. Once that was completed, I asked the supervisor that I had filed some disputes via CFPB a month or XXXXwo aga ( was actually back on XXXX ) and that investigation was completed, verified and updated, but that I had not received the investigation report and requested that I receive a copy. The supervisor stated that they did not have a report for the investigation and told me that it was not their " experian 's '' job to launch an investigation on a dispute and that I needed to contact my creditors to correct any issues. I tried to explain to her that if an item is in dispute by the consumer reporting agency that they shall investigate the accuracy and completeness of the information being reported to the profile. She still stated that it was not the case and continue to state that I had to contact the creditor to correct the issues. 

FCRA 15 USC -1681-623 ( b ) ( 1 ) states : After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

Both, representative and supervisor for EXPERIAN, has provided knowing false information regarding the guidelines of the FCRA standards and has prevented my rights to consumer protection. It was also stated that the phone conversation was being recorded.

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