Consumer complaint received 2018-09-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2018 I disputed an item with Experian via verified letter which included a Dispute Letter and a copy of the Disputed item ( XXXX XXXX Account ). I stipulated that : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of said furnisher, if reasonably available ... '' Please note, a tird party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6_ ( B ) ( iii ). I demand direct, not third-party, proof according to the FCRA, section 611, paragraph ( 6 ) ( B ) ( iii ). Please provide me with : the Name of the Person you spoke with who identified the account ; an original Consumer Contract with my Signature on it ; the Telephone Number of the person who verified this account ; and the Documentation Used to Verify the dispute. I received a letter from Experian that said my account had been " UPDATED '' but Experian did not include any of the information that I requested, and due, as per the law. 

I then sent Experian another second certified letter ( mailed on XX/XX/2018 ) again demanding that : according to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), I was specifically requesting that " they provide me with : 1, the Name of the Person they spoke with who verified the account ; 2. an original Consumer Contract with my Signature on it ; 3. the Telephone Number of the person who verified the account ; and 4. the Documentation used to Verify the dispute. YOU HAVE NOT PROVIDED ME WITH THIS INFORMATION WHICH IS GROUNDS FOR DELETION. Under the FCRA, unverified accounts MUST BE REMOVED and if you are unable to provide me a copy of verifiable proof as per my request above and as per the law, you must remove the disputed account. If you do not provide me with the above mentioned information to verify your investigation results as required by law, I will file a complaint with the FTC and the Consumer Financial Protection Bureau. '' I received a second letter from Experian, dated XX/XX/2018, stating that their reinvestigation of the results had been " UPDATED '' ; yet none of the required verification information was provided. 

I am requesting your assistance is putting an end to this matter and their blatant violation of my rights. I have already contacted the FTC and I am now contacting your organization because my rights have been violated and I want the said referenced account to be permanently removed as is my right under the law. 

Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX

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