Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: TN
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:
TO WHOM THIS MAY CONCERN : I am writing to formally request a method of verification for the charge-off accounts listed on my consumer report. After a thorough review of my credit report, I have identified several charge-off accounts that are inaccurate or incomplete information. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request a comprehensive method of verification for each of these accounts. 
I understand that as per the FCRA, it is the responsibility of the credit reporting agencies to ensure the accuracy and validity of the information reported on my consumer report. In order to comply with the FCRA and to facilitate an accurate investigation, I kindly request that you provide me with the following information for each charge-off account : Verification Documentation : Please provide copies of all documentation, contracts, agreements, or any other records that verify the accuracy and legitimacy of the reported charge-off accounts. This includes any evidence that demonstrates the creditor 's compliance with legal requirements, such as proper notification and documentation of the debt. 
Creditor Information : Please provide the complete contact information, including name, address, and phone number, for each creditor associated with the reported charge-off accounts. This will enable me to directly communicate with the creditors if necessary. 
Compliance with FCRA : Please outline the specific steps and procedures followed by your agency to ensure compliance with the FCRA when reporting charge-off accounts. This includes verifying that the creditor has fulfilled all legal requirements and obligations regarding the reporting and handling of the debt. I would like to emphasize that the accuracy and integrity of my consumer report are of utmost importance to me. These charge-off accounts contain errors that are unfairly impacting my creditworthiness. It is crucial that these accounts be thoroughly verified and validated in accordance with FCRA regulations. I kindly request that you conduct a comprehensive investigation into each charge-off account mentioned on my consumer report within the time frame mandated by the FCRA. I expect that the investigation will be conducted with the utmost diligence, taking into account any relevant case laws and precedents that support the removal of inaccurate or unverifiable information. Furthermore, I understand that during the investigation period, any negative information related to the disputed charge-off accounts must be TEMPORARILY SUPPRESSED as required by law. I expect prompt communication from your agency regarding the progress of the investigation and any updates regarding the status of the disputed accounts. 

I have continuously been trying to dispute the items on my credit report for the last 8 months. Each time the accounts are coming back as verified. Before my last attempt, I uploaded my credit report to the three reporting agencies showing them the inaccuracies in the report and yet again the supported documents have been ignored. This last time I asked for a method of verification and again this information has been ignored. The CFPB is supposed to step in when things of this nature are not being handled accordingly.I know for a fact that according to the FCRA that my report is supposed to display the maximum capacity of accuracy across the board and it is not. I recently faxed over a MOV letter asking them to prove to me that since they are the ones who are reporting the information to provide me with how exactly their investigation goes when a consumer is disputing the information. Again ignored. Yet, I am supposed to just suffer because they are not doing their due diligence in making sure that the information they are reporting is 100 % accurate Then it was brought to my attention that a CFPB employee sent over a quarter of a million consumer personal information to his personal email account. Yet no one is talking bout that. How am I supposed to trust what I am submitting to correct information when there is constant fraud being handled behind closed doors? I want these accounts deleted immediately if I can not receive the METHOD OF VERIFICATION FOR WHICH THE ACCOUNTS BEING DISPUTED ARE BEING VERIFIED. i ALSO WANT THESE ACCOUNT DELETED FOR THE REASON DUE TO THE CFPB BREACH AND THIS IS A VIOLATION OF 15 USC 1681

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