Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: WI
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: Investigation took more than 30 days

Complaint:
I XXXX XXXX I am writing to file a complaint against XXXX XXXX XXXX ( XXXX ) for violating my privacy rights and violating consumer laws for reporting inaccurate information. 
On XX/XX/2023 " with a debt validation letter '', I contacted XXXX to request the original contracts with wet signatures, for a timeshare I allegedly purchased from them. I sent my request via certified mail ( see attachments ), return receipt requested. I have not yet received the contracts. 
I have also contacted XXXX 3 times ( XX/XX/2023 debt validation letter ), ( XX/XX/2023 twice at different locations listed for them all via certified mail SEE ATTACHMENT as well which were cease and desist letters ) since then to have them deleted the inaccurate information and Each time, I have not received the original contracts with wet signatures nor a reply. 
XXXX is in violation of my privacy rights by not providing me with the original contracts with wet signatures and continuing to report these accounts as I requested within 30-day period and is required by law to delete Acct # XXXX from XXXX & Acct XXXX XXXX from Experian. These account appears to be the same account yet reporting as different account # s on 2 different CRA reports. 
XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to only report accurate information about consumers. 
1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate I know XXXX is furnishing inaccurate information about me to credit reporting agencies by reporting that I have a timeshare debt when I do not. 
I demand that XXXX immediately delete both accounts information from credit reporting agencies. 
Also, I have contacted the CRA about these accounts and asked for original contracts with wet signatures etc. and they have also failed to get these from XXXX and continue to report as accurate even though I have disputed this information with them as well. They continue to violate the laws that are in place for them to follow as well. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. 
No investigation has been completed on the CRA end to gather information nor supply me any information/the information that was supposedly supplied to them from XXXX to verify this information to be accurate as I continue to state and do not verify this information to be accurate. 
I demand that Experian and XXXX delete and stop reporting the above accounts as they have violated my rights and the consumer reporting laws stated above as well.

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