Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: TX
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:
I herby give you notice that you need to conduct an reinvestigation on the following accounts. It is your obligation to report a consumer report with 100 % accuracy. After reviewing a recent copy of my consumer report I have found several accounts that I do not recognize as accurately reported accounts. Validated these accounts are 100 % or deleted and blocked from my consumer report immediately. I am not asking for verification of the account information which is not an investigation. 

Pursuant U.S. Code 1681i - Procedure in case of disputed accuracy.

If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a consumer credit report. Otherwise, anyone who is paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verified Proof ( an original Consumer Contract with my wet ink Signature on it ) you have on file that was used on the date you posted the account ( s ) on my consumer credit report. Your failure to positively verify these inaccuracies have hurt my ability to obtain credit and have defamed my name. Under the FCRA any and all unverified account must be removed immediately if you are unable to provide me a copy of verified proof. 

Pursuant 15 U.S. Code 1681i ( A ) ( 1.A ) all accounts under dispute must be immediately removed from a consumers credit report until a full investigation is completed. You are in violation, I have repeatedly contacted your company with no regard. 

Please remove all non- account holding inquiries over 30 days old Please add a Promotional Suppression to my consumer credit report Pleas remove all accounts that are not XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all cases referenced above it was stated that the Credit Reporting Agency could not merely parrot information from creditors or collection agencies. You must conduct a reasonable independence investigation to ensure all accounts reported are 100 % verifiable per the Fair Credit Reporting Act. 

Sending a generic form via XXXX system does not constitute a reasonable independent investigation or physical investigation and will not be tolerated nor will it show any proof of investigation. Please deleted these unverifiable, erroneous, derogatory, inaccurate, obsolete accounts immediately. Im keeping careful record of your actions including your method of verification. I do not consent to E-oscar verification or any other means of automated verification. 

Failure to respond with satisfactory proof according to FCRA Regulations within 30 days of the receipt of this certified letter may result in a small claims action against you company seeking {$5000.00} per violation. 

Defamation Negligent Enablement of Identity Theft Willful Noncompliance Violations of the Fair Credit Reporting Act Financial Injury P.S. Please be mindful that upon your response I may be detailing any potential issues with your company via public press release including all documentation and any small claims lawsuits I have filed against you company. I have also included a copy of this of this complaint to the organization listed below. 

CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX CC : Consumer Finaical Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXXXXXX XXXX XXXXXXXX XXXXC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division Of Consumer Complaints In your verification please list the person in who you contacted verbally, via letter, or any other forms of communication that gave you 100 % validation, their title at the company in which validated the information, their direct phone number in which you used to contact them in regards to validation, the company address in which validated the information or the email address you used to contact the company for validation of these accounts You are in direct violation of the FCRA because you have reported these unverifiable, erroneous, derogatory, inaccurate, obsolete accounts on my credit report. You have reported these with the understating of the regulatory laws which govern you and have willfully damaged my consumer credit report for the means of making financial gain off of my name. 

Accounts which I am disputing are as follows. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX After you conduct your investigation I am requesting a copy of my credit report that show the corrections have be made and all updated information to reflections the corrections.

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