Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2020 I submitted a complaint # XXXX against Experian Credit Reporting Agency. This complaint specified how Experian violated my rights under the Fair Credit Reporting Act. Experian has broken the law by refusing to provide me with proof of specific debts including the original contracts with my signature of which I am entitled under section 609 of the FCRA. Instead of providing the original instruments of debt or removing the inaccurate information as requested, Experian provided the false reasoning that they do not believe I am the one requesting the information. Experian came to this conclusion even though I filed a complaint via CFPB on XX/XX/2020 and in addition to that, I have sent the requests directly to them on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 along with proof of my identity via certified letter and with my signature in envelopes addressed in my own handwriting with the same address included on my driver 's license. Experian has denied me this documentation and only sends their word that the debts have been " verified '' but how? My XXXX XXXX has a freeze on it. Experian provides the false explanation that it does not believe I am submitting this complaint even though I submitted this complaint through the secure portal of the Consumer Financial Protection Bureau which is a federal government entity from my own laptop computer via the internet service that I pay for that provides the IP address that I am using to file this complaint. I included all information required by the CFPB to file such a complaint and also included copies of the various attempts made on my own to rectify this situation with Experian directly along with copies of my driver 's license and social security card along with several requests witnessed, signed and stamped by a Michigan XXXX XXXX. Despite my steps to follow the proper channels of the law Experian does not do the same. Experian came to the false conclusion that I am not the one submitting my claim in less than 6 calendar days with no apparent reason being provided to me as to why or how they have come to this conclusion. This bogus excuse is being provided as a way around complying with my request because they would rather damage my credit than follow the law. 

After speaking to 2 specialists at CFPB, I was encouraged to file a new claim in hopes of getting the attention of the legal department of CFPB to investigate Experian. This company is not complying with Section 609 of the FCRA and not even providing a legitimate reason as to why. This systemic act of oppression puts people such as myself in a very discouraging position of where we have to use time, money and resources to send various documents, pay for notaries and certified letters only for this big company to totally ignore my request under the pretense of asking me to send the same documents over and over again. My credit is damaged and I am unable to buy a home because of Experian 's illegal practices even though I have done everything to follow the law in requesting this information. This is how big companies get away with keeping people down. This is very simple : produce the original documents with my signature or take it off of my credit report. What do they have to gain by not following the Fair Credit Reporting Act? Do they comply with some but not others? This definitely needs to be looked into. Hard working consumers should not have to go through all of this expense because Experian does not follow the law. Their lack of integrity and dismissive response makes me even more concerned that a company who acts in such an oppressive way should be in possession of such sensitive personal information. Again I am requesting that they produce the original instruments of debt including my signature or delete the inaccurate accounts indicated in my attached documents. 
I am enclosing copies of the 4 requests that I sent to Experian this year. I am also attaching copies of my drivers license, social security card, birth certificate, a recent XXXX statement, and a recent XXXX XXXX XXXX XXXX as proof of my id and address. Aside from a screenshot of me as I am typing this I don't know what else would help them believe it's me submitting this request.

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