Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
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:
Experian continues to be willful non compliant by not meeting its obligations of Federal Fair Credit Reporting Act ( FCRA statue ) as it is bound by Federal law ( FCRA clearly says that all accounts reporting on any consumer report disclosure have to be 100 % accurate ,100 % complete 100 % verifiable otherwise it needs to be deleted from the consumer report /disclosure as its required by law. Those are my federal protected consumer rights under U.S. Congress. Thats what U.S. Congress says. I have given the proof of evidence of documentation to back up my claims of accounts not reporting accurate, Incomplete and untimely manner as well as unverified. Experian seem to want to shift the burden of proof to me the consumer ( which now we arrive at another Violation under FCRA rules. I have ask via snail mail with certified receipts, proper documentation to correct or delete the accounts in question. I have also exercised my rights under FCRA section 611 ( a ) ( 7 ) the method of verification used to verified these accounts in question? I asked who did they actually talk to about these account listed here : 1 ) XXXX account # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX, ( XXXX ) XXXX XXXX  account # XXXX, This is taxable personal income and can not be reported on any consumer report XXXX Cancelation of debt from XXXX/ see attachment. Remove this account ASAP XXXX ) XXXX XXXX XXXXXXXX account # XXXX. E-oscar or Metro2 electronic verification is unacceptable as it contains the same errors of inaccurate information on it What real person was the one that verified these accounts. What are their names? what extension number did they use? what are the dates that they contacted the real person or reps of each company in question? what hard documents of Evidence has Experian gotten that the can furnish a copy to me so I can take a look at them? Experian can not just say anything without having documentation to back up their reasonable re investigation. Experian never contacted the data furnishers according to FCRA 15 USC 1681i ( a ) ( 2 ) ( A ) Prompt notice of dispute to furnisher of information evidence to back up their <<<verified claims>>>> according to FCRA section 623 I contacted at their 800 number XXXX says to me that they do not have any record of the account at all. <<<<NO RECORD FOUND>>>> that experian never contacted them???? so forth and so forth.. I have an audio recording of 2 reps from XXXX saying that no record exist and that the trade line is not what they report or ever reported.. Experian is in violation of the statues that clearly says they must follow the law. under XXXX act i need to get a copy of the records Experian claims the verified till now I have not seen any hard evidence of documentation to backup what Experian calls verified and accurate.

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