Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Since XX/XX/XXXX I have asked XXXX Credit to present evidence such as a contract signed by me on an account that appears in my credit report and to date they have ignored my request to dispute the account in multiple disputes. violated the law by acting incorrectly and ignoring my complaints. To this day they do not receive my disputes nor do they answer them. 

My claims or disputes to XXXX credit report are as follows : You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. The federal fair credit law requires credit bureaus to report only 100 % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you don't comply, I would like to remove this account from my credit report as soon as possible. ACCOUNT : XXXX XXXX XXXX XXXXXXXX Since XX/XX/XXXX, I have requested several disputes regarding this account and to date, they have been violating my rights, they do not respond to my conflicts, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me. 

Company responded Status The company responded on XX/XX/XXXX Response Type Closed with non-monetary relief The actions of XXXX XXXX reports are as follows : Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. 
DESCRIPTION OF NON-MONETARY RELIEF The actions of XXXX credit reports are as follows : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below are the results of that investigation. XXXX XXXXVERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records.

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