Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Violations from Experian in regards to disputing inaccurate information. My initial dispute letter vis U.S. Mail dated XX/XX/XXXXreached Experian XX/XX/XXXX disputing the Accuracy of Public records information. The disputed was completed 12, as verified. I submitted a letter dated XX/XX/XXXX via mail asking for the Method Of Verification used along with the name telephone number of the persons contacted in regards to this Public Record Information.

I received none of this information and was not notified in regards to this matter in the 15 day window. I proceed to call Experian on XX/XX/XXXX the first time I get threw the rep inform me they don't have to give the furnisher information that provided them the public records info. and stated they did not have access to it. My initial thoughts were how did they verify and and reinvestigates or even provide me with the Method Of Verification. this first rep didn't provide me with any furnisher info as I requested over the phone at all. I proceeded to talk to a 2nd rep he also stated he didn't have access to the information due to the fact it was from a third party. I let him no that nowhere on my report does it mention anything about a third party. I ask for a supervisor or someone in charge to get this information. after speaking with a supervisor she informed me of everything the 2 reps stated prior. I let her know I wanted the furnisher that was giving Experian the information because its not state on my report. I let her know I did not get my Method of Verification. She tried to insinuate the a generic description mailed out from a for this dispute request should had suffice.

I ask her was the procedures followed in the generic info because I still wasn't giben the info from the Method of Verification as requested. lastly I let her know I did not get response in a timely matter according the FCRA in regards to the Method Of Verification.

There are serious FCRA violations of : - Section 611 ( a ) ( 6 ) ( 7 ) By not receiving the the Method Of Verification for this Public records Info at all let alone in the 15 day time span.

- Section 609 ( 1 ) ( 2 ) ( 3 ) by not providing my with the name, address, tlephone number ot the furnisher of this infomaiton -Section 611 ( a ) ( 1 ) ( A ) by not doing a reinvestigation once given information the the reporting was wrong.

-Violation of Section 611 ( 2 ) ( A ) by not notifying the furnisher of the dispute because they told my clearly they don't have that information.

Violation of Section 609 because I was given the proof requested this information was verified So as I stated the correct furisher isn't licet on my credit report and Experian is in violation for not honoring my Method Of Verification request under FCRA

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