Consumer complaint received 2019-04-13
Company: Experian Information Solutions Inc.
State: IL
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:
RE : Experian, XXXX, XXXX, XXXX Credit Bureaus and XXXX  Dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX RE : - XXXX/XXXX  [ Amount : {$550.00} ], Creditor states account is open, not true, lack of signed contract - XXXX/XXXX [ Amount : {$660.00} ] Creditor states account is open, not true, lack of signed contract - XXXX/XXXX [ Amount : {$730.00} ] Creditor states account is open, not true, lack of signed contract - XXXX XXXX XXXX/XXXX XXXX [ Amount : {$400.00} ] lack of signed contract - XXXX XXXX XXXX [ Amount : {$1100.00} ], reporting three times on my report paid and unpaid - XXXX XXXX XXXX XXXX [ Amount : XXXX ], lack of signed contract, and never had account with this firm [ has not provided contract of debt owed ] - XXXX XXXX XXXX [ Amount : {$890.00} ], according to HIPPA law, did not give hospital nor collection company, permission to release my health records, - XXXX XXXX, XXXX XXXX XXXX [ Amount : {$670.00} ] - XXXX XXXX XXXX XXXX [ Amount : XXXX ], never had an account with company, lack of signed contract - XXXX XXXX [ Amount : {$660.00} ], has not provided contract of debt owed, and never had account with this firm - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Amount : {$7000.00} ], ( never had an account with company, collector is representing, nor collection company, settled account in XX/XX/XXXX with XXXX XXXX, company did not want payment for account, desired release of property, and even paid for move to occur, before move out date. Company employees walked through property, and found no damage to pay for property. Even promised by company employee, I was compliant and given monetary payment in form of check. - - XXXX XXXX XXXX [ Amount : {$460.00} ], XXXX XXXX XXXX ( violated HIPPA law ) [ Amount : {$420.00} ], XXXX XXXX [ Amount : {$650.00} ] Creditor states account is open, not true, lack of signed contract, XXXX XXXX XXXX, [ Amount : {$400.00} ], never had an account with company, lack of signed contract, and XXXX, [ Amount : {$1700.00} ], never had an account with company, lack of signed contract. 

Disputed four different times regarding accounts on report, and unverified items remain on my credit report in violation of Federal Law. Credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify information is mine and is correct. Based upon the results of my first, second, third and fourth investigation, all three credit bureaus stated in writing, verification was conducted :, but gave no proof items were being reported correctly. Bureaus never gave contact name from company or bureau, who verified accounts in question. 

On four separate occasions, I requested for bureaus to provide a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, there was no documentation ever given. I requested for all four bureaus, they were required to promptly delete all information, which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if there is a failure for credit bureaus to comply.

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