Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: PA
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:
This complaint is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. I re-disputed this account via CFPB on XX/XX/XXXX. In the complaint I mentioned that the company is reporting inaccurate address and contact information on my credit report. I sent this company two letters dated XX/XX/XXXX and XX/XX/XXXX. Each time the letters were undeliverable due to incorrect address. Per my dispute on XX/XX/XXXX I asked for this account to be deleted, this account is inaccurate and clearly unverifiable. 
Per your response Per your request to conduct a reinvestigation, we contacted the data furnishers to verify the accuracy of the information with which you disagree. The data furnishers verified the information accurate as reported and a result summary was forwarded to you most recently on XX/XX/XXXX, and XX/XX/XXXX. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. This is clearly false because you DID NOT contact the company, you DID NOT mark the account disputed and you only provided dispute results from XXXX. My rights under the fair reporting credit act says that Im able to dispute an account. You verified this account allegedly without conducting a NEW investigation. I will not accept a dispute from XXXX as my investigation. 
Based on this response Im requesting the description of the procedure used to determine the accuracy and completeness of the information, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, PA 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