Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX, XXXX Authorized Representative for XXXX XXXX i been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance Experian recently sent me a disputes result that stated- The fraudulent account opened by company XXXX XXXX  reported the information has certified to Experian that the information is accurate. And that the fraudulent and inaccurate item was not changed as a result of our processing of my dispute. 

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to the report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role .as a result, my livelihood has been adversely affected.These are multiple violations of the law and slander of my good name and character. more importantly - There is no such law that states anything that needs to be reported to a consumer report agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my rights to privacy.

I request that your company give me evidence that the information which is being reported has been properly investigated, not just public information match, also provide me with details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As result, I hereby damand that you block delete or suppress XXXX  XXXX XXXX and XXXX XXXX. 

Please be advised this is the third time I have contacted your company, and you have still failed to delete the disputed identity theft account. Despite XXXX written requests, the identity theft account, derogatory items listed below still remain on my credit report in violation of Federal Law.

Also I am concerned about the validity and accuracy of your recent investigation and reinvestigation of disputed account ( XXXX ). Thus, please explain to me how you conducted your investigation/reinvestigation for each derogatory account/item listed in Exhibit C : Please explain to me what your representatives uncovered to lead them to believe that you are reporting these items as it legally should be reported ; What certified documents were reviewed to conclude your investigation and reinvestigation?

Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation and reinvestigation ; What did it cost your company to obtain the documents needed to complete your investigation and reinvestigation?

Please provide proof of your timely procurement of certified documents; Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

If you reply YES to the above ( 6 ), then : Who did you speak with?

What was the date?

How long was the conversation?

What was their position?

What number did you call?

What is the name of your employee that spoke directly to the above party?

What is the position of your employee that spoke to the above party?

How long has that individual been employed by your company?

What type of training was provided to this employee in order to investigate items of this kind?

Were there any emails or written communications between employees of your company and the above party?

If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation and reinvestigation of the account ( s ) in question; Please provide the date of the commencement of delinquency ; Please provide the specific date reporting of this item will cease.

Please provide me the PERMISSIBLE PURPOSE CERTIFICATIONS DOCUMENTS REQUIRED BY LAW The Federal case law states the following : " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. '' That means that your company can not just verify my account by telling me it is verified. See. FCRA 15 U.S.C. 1681 ( a ) ( 4 ).

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account ( s ) in question. See. Exhibit C. A template response will not be an acceptable response. If you can not supply all of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of each disputed item from my credit report.

I sent this notarized letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of the FCRA.

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