Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XXXX XXXX, 2015, I contacted Experian via XXXX in regards to some inaccurate information that is currently being displyed on my Experian credit report. In my letter, which I have also enclosed for the CFPB viewing I included a copy of my Colorado drivers license, and a utility bill, which Experian requested via thier phone message that they have for the consumer when the consumer calls to order thier credit report, if the information they have on file for them does not match Experian records. 

I would now like to take the time to address the letter that Experian sent to me in responseto the letter that I mailed to them with my disputes enclosed. Experian has written in thier letter to me, Dear XXXX XXXX XXXX XXXX, we recieved a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious request are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we recieve regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
I would now like to ask Experian how did they come to the determination that my dispute were suspicious? because I sent the correspondence to Experian, that they requested in order to begin my dispute process! According to the FCRA Experian as they are no doubt aware that what they are doing is illegal, and is in VIOLATION of the FCRA LAWS! 

This is written notice to Experian that thier claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the addresses, phone numbers, and the erroneous names in which have been illegally displayed on my credit file be verified, and if verification can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian will now exceed the time frame allowed to them by law, i sent my disputes out to them on XXXX XXXX, 2015 ). 

Experian legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. Per the FCRA each disputed item that Experian continues to disply on my credit report, once they have exceed the dispute process time limit, could result in a {$1000.00} fine per disputed item as Experian is no doubt aware.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief