Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I disputed a collection with XXXX XXXX XXXX XXXX account # XXXX. with Experian. All other bureaus do not have such derogatory account reporting.. Experian has not complied with the State Attorney General Settlement Agreement and 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : This company and Experian has refused and I have the right to demand that they disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that they are reporting in my credit report. At which I signed a contract and enters into an agreement or contract with XXXX. I don't understand how they were able to verify when XXXX has not to this date responded to any of my validation request validation of the amount of {$3500.00}. that they are reporting to Experian that they say I owe. Experian, Please don't respond to my request by saying that the account has been verified. HOW? XXXX has not verified with me and by law you should be deleted immediately. Please Send me copies of the documents that you have in your files or that they sent you that were used to verify the debt to legally out on my credit report. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing the inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have been denied credit because of it. I've requested the signed document form XXXX stating I owe them amongst other information and they refuse to send. According Section XXXX5 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

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 non-monetary relief