Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two accounts that are being INCORRECTLY REPORTED on my Experian credit report. I have been disputing these two accounts with Experian for OVER A YEAR and have sent Experian WRITTEN PROOF as to why these accounts should NOT EVEN BE ON MY CREDIT REPORT as there is NO BALANCED OWED on either account. However, Experian has chosen to blatantly ignore all of the supporting documentation that I have provided in my disputes and continue to allow these two slanderous, incorrect, and defamtory items to remain on my credit report, repeatedly claiming that these accounts have been " verified. '' I finally sent Experian a certified 609 letter on XX/XX/XXXX, demanding that they show me the method of verification that they are using to allegedly " verify '' these accounts. Under FCRA, I am FULLY ENTITLED to see EXACTLY HOW these accounts are being " verified '' by Experian. However, upon receipt of this 609 letter, did Experian produce this information and send it to me within 30 days as required? Of course not! What did they do instead? They simply OPENED ANOTHER DISPUTE on these accounts, WHICH IMMEDIATELY CAME BACK AS " VERIFIED '' yet again. Therefore, Experian has FLAGRANTLY violated my rights under the FCRA by failing to send me the documentation that I requested of them within 30 days ; therefore, these two accounts MUST BE IMMEDIATELY DELETED FROM MY CREDIT REPORT. 

I called Experian yesterday, XX/XX/XXXX, at approximately XXXX p.m. XXXX and immediately requested to speak with a supervisor. I was transferred to someone named " XXXX, '' who was on the rudest, most unprofessional, most uneducated individuals I have EVER had the displeasure of speaking with. She constantly cut me off while I was speaking and CLEARLY does not know the laws and does not care one bit about them. Upon explaining to her that Experian had violated my rights by ignoring my demand for documentation showing exactly HOW they are " verifying '' these two accounts within 30 days, she said, " We don't have to send you anything. The orginal creditors said that these items need to stay on your report, so that is all you need to know. '' I told her that she was NOT correct, that per section section 609 of the Fair Credit Reporting Act, I have EVERY RIGHT to have access to information used by a credit bureau to create my credit report and determine my XXXX XXXX and my credit worthiness. This way, I can make sure that the credit bureaus are not using incorrect information to calculate my score. XXXX XXXX did not want to hear this and kept trying to explain to me how the dispute process works, to which I immediately cut her off and informed her that I do NOT need an education on how credit disputes work, that I am EXTREMELY well-versed and well-educated in credit and that I WORK in the financial and credit industry and have done so for almost 20 years and work with credit every single day. She did not like that either and once again said, " We are not required by FCRA to send you ANYTHING. If the original creditors say that the information being reported is correct, then it will remain on your credit report. We don't have to show you how we are verifying anything. '' WRONG!!!!!! 

Since my rights under FCRA have been blatantly violated by Experian in that they have outright REFUSED to comply with section 609 and provide me with their exact method of verification of these two accounts within 30 days and clearly has no plans to provide me this documentation, Experian is required to delete the following two accounts from my credit report IMMEDIATELY. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any written evidence. 

XXXX XXXX XXXX XXXX, XXXX  If these two accounts are not IMMEDIATELY DELETED from my credit report, I WILL be filing a lawsuit against Experian. I have provided more than sufficient evidence to Experian on multiple occasions to have these two false, slanderous, and defamatory accounts removed.

Experian : You may contact me on or before Friday, XX/XX/XXXX. This matter can easily be settled simply by your agreement to remove the false information from my credit file once and for all. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that the two above mentioned accounts have already been " verified, '' then there will be no more opportunity for negotiation. This will proceed in a court of law until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing full judgment against Experian for violation of the Fair Credit Reporting Act and defamation of my credit file.

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