Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you Experian are required initiate and complete a thorough investigation and to provide me ALL information, Documentation and proof gathered during your investigation ) on this inaccurate account It has been over 85 days since my first dispute and 60 days from my second dispute of this False /inaccurate / improper / derogatory information on my credit report with Experian. 

While XXXX and XXXX investigated and Removed this false /inaccurate account from my credit report, Experian Updated it as accurate without completing an investigation and without providing the Investigation result and ALL supporting documents to justify their Update as Accurate In accordance with the Fair Credit Reporting Act XXXX. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients.

Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information : Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below you Experian have violated my rights under 15 USC 1681 602 states I have the right to privacy pursuant to 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 1666 b Experian may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

In accordance with Disclosures to consumers [ 15 U.S.C. 1681 et seq, I request that the information regarding this account be Verified by Experian with ALL documents requested below or Removed Information on file ; sources ; report recipients.

Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you Experian are required to provide me ALL relevant information Documentation and proof gathered during your investigation Pursuant to FCRA section ( a ) ( 6 ) ( b ) ( ii ) if you choose Not to remove this disputed information than you are required to provide notice of your decision and include ALL documents used during the investigation Experian Repeatedly continues to Refuse the Removal of the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Experian Repeatedly continues to Refuse provide investigation results on valedity of this account/information as well as ALL documentation associated with this investigation the inaccurate personal information from my credit report cousin emotional distress as well as financial distress ****Please Remove his Inaccurate information as being in Dispute from my credit report Immediately Report Number XXXX XXXX XXXXXX/XX/XXXXAccount number XXXX Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 


Experian FAILED and once again REFUSED to remove account from my credit report even though Creditor failed to Validate this debt.

Experian FAILED and once again REFUSED to provide any of the documents listed below : ****Pursuant to 15 usc 1692g Please Provide proof and ALL documentation for your in depth investigation on this Inaccurate information/Account or Remove it from my credit report Immediately, Including but not limited to : 1. My signature on the contract for this debt 2. Chain of title for this debt 3. Chain of title that gives XXXX legal authorisation to collect on this debt 4. Detailed list of the payment history made by me on this account 5. Any and ALL insurance claims filed on this debt 6. Original signed contract that shows I am responsible for this debt 7. My credit application for this debt with XXXX 8. Provide verification & documentation to prove this is a debt that I am required to pay To XX/XX/XXXX 9. Proof that you have the legal authority to collect on this debt 10. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 



Details about your authority to collect this debt. 

1. Does XXXX firm has a debt collection license from my state? If not, say why not. 

2. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

3. If you XXXX contacting me from a place outside my state, does XXXX firm have a debt collection license from that place? 

XXXX. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

Pursuant to 5U.S.C. 552 a ( i ) ( 3 ) i am requesting this disputed item to be removed from my credit report Immediately Since you have failed to comply with 5U.S.C. 552 a ( i ) ( 3 ) by failing to maintain my records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall Not use such record What would be a fair resolution? 


1- Experian to explain why it updated XXXX account as Correct on XX/XX/XXXX on my credit Report 2- Experian to explain why it is Lying to CFPB that this account is still under investigation when it updated This account as Correct and verified without providing any documentation from its investigation 2- Experian to provide all above documents information resulted from its investigation of this account Immediately 3-Experian to provide all documentation that proof verify this account as valid and correct ( see list of documents requested but never provided above ) 4- Experian to provide all above described documents Immediately 5- If Experian does not provide above documents to validate this debt Experian to remove Immediately this negative improper inaccurate derogatory information from my credit report 6- Experian be held accountable for - Inaccurate, false statement made in my credit report and refusing to remove them upon dispute - Damaging my reputation with the derogatory statements and refusing to remove them upon dispute - Punitive damages 7- Experian be held accountable for refusing and failing to investigate provide the above documents after my complaint with CFPB and responding to this complaint without resolving /validating / providing documents above described necessary to validate the debt 8 -Experian to be held accountable for exceeding the 30 days reply ( Experian must investigate the dispute within 30 days ) 9 - Experian to be fully investigated and held accountable for praying on senior citizens like myself defrauding senior citizens like myself and getting away with it by not investigation the dispute, By Not providing All documents associated with the investigation as required to validate the False debt and removing false /inaccurate / improper / derogatory information from my credit report by dragging the results /reply to the dispute over 30 days

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