Consumer complaint received 2021-07-05
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:
I understand that you shouldn't put any information on my file unless authorized. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature, invoice accordance with Bills of Exchange Act ( 1882 ) and the actual accounting showing a loss. Provide proof of claim with evidence you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX XXXX XXXX XXXX and XXXX account # XXXX, Dispute XX/XX/XXXX and XX/XX/XXXX. I am concerned about the validity and accuracy of Experian, XXXX and XXXX recent investigation of this account XXXX and XXXX with XXXX XXXX XXXX and XXXX that is reporting on my credit report. In XX/XX/XXXX I requested an reinvestigation of a XXXX XXXX XXXX and XXXXl account reporting on my credit file because I felt the item was not being reported legally and lawfully. I was told that the accounts will be remove/delete in 7 days because of the FTC fraud report. XXXX deleted the XXXX XXXX XXXX account but not XXXX. Last week I received a letter stating that Experian and XXXX investigation was complete. I would like Experian and XXXX to explain to me how they conducted their investigation? In accordance SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act XXXX11 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 day. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX  ) Experian and XXXX  have on file of the account # XXXX and # XXXX. Furthermore, XXXX XXXX XXXX and XXXX account could not be legally verify. Method of Verification 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a ). Who did you speak to? b ). On what date? c ). How long was the conversation? d ). What was their position? e. What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g. What is the position of the employee of your company that spoke directly to the above party? h. How long has that employee been employed by your company? What formal training was provided to this employee to investigate items of this kind? j. Was there any e-mail or written communication between members of your company and the above party? 8. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9. Provide the date of the commencement of information 10. Provide the SPECIFIC date reporting that these items will cease 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 in question. 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 this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will formally request a jury trial! XXXX XXXX will further pursue all of my legal remedy without further notice to Experian, XXXX and XXXX. XXXX XXXX has attempted to resolve this matter formally before filing a complaint on Experian and XXXX with Consumer Financial Protection Bureau and lawsuit! Please Remove/delete XXXX XXXX XXXX and XXXX account # XXXX and # XXXX immediately!

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