Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/XXXX Complaint Against Experian XX/XX/XXXX : I presented a written dispute to Experian and notified them of multiple accounts theyre reporting on my credit report in violation of the FCRA. I presented each item, along with the facts involved, and requested they complete an independent investigation and to correct or delete each violation. I also requested, in writing, a copy of any documents, names and contact numbers from their independent investigation. 

XX/XX/XXXX : Experian submitted response to my initial dispute from XX/XX/XXXX, and provided an associated report # : XXXX. Their response stated they verified each of the items I disputed and refused to provide a single document, name or contact as proof to support their independent investigation. 

XX/XX/XXXX : I presented to Experian, a follow-up of my initial dispute and demanded the accounts are reporting in violation of the FCRA and must be deleted immediately. I also demanded a copy of each and every document, name and contact they collected and used in their independent investigation. ( SEE ATTACHMENT - XXXX ) XX/XX/XXXX : Experian submitted a response to my second dispute from XX/XX/XXXX, stating they had previously investigated my disputed accounts, refused to investigate them again, and continued to refuse to provide a single document, name or contact as I requested, in writing ( a XXXX time ). 

XX/XX/XXXX : Today, I present you the following facts and ask for your help to hold Experian accountable for their negligent non-compliance of the FCRA. And I ask that you have them remove the accounts that are in violation of the FCRA, and delete them immediately to stop the harm and injury they are causing me and my property : XXXXXXXX XXXX XXXX XXXX ( ACCOUNT # : XXXX ) XX/XX/XXXX : I presented a Notice and Demand to XXXX XXXX as an act of Good Faith, allowing them ample time and opportunity to prove the validity of their alleged claim. The said Notice contains a detailed list of specific documents and information required from them to prove their alleged claim. It was sent via the USPS, Certified Mail, Return Receipt, Article Number : XXXX. ( SEE ATTACHMENT - XXXX ) XX/XX/XXXX : XXXX XXXX received, accepted, and signed for said, Notice and Demand, dated XX/XX/XXXX. ( SEE ATTACHMENT - XXXX XXXX XX/XX/XXXX : XXXX XXXX submitted a negligent, non-compliant, inadequate response to the Notice and Demand and refused to validate their alleged debt. They also responded outside of the XXXX allowed in the said Notice, without good reason, without objection, and merely submitted an alleged Contract, and an alleged ( very generic XXXX Statement of Account. XXXX XXXX XXXX refused to provide even one of the required documents, information or contacts were provided ). 

FURTHERMORE, the Notice and Demand clearly requires, that if XXXX XXXX does not validate their alleged debt and provide the information required, XXXX XXXX WILL AUTOMATICALLY AND WILLFULLY SETTLE THE ALLEGED ACCOUNT IMMEDIATELY, WITHOUT ADDITIONAL DELAY, AND WITH PREJUDICE as described below : a. The alleged debt and deficiency is NULL and VOID. 
b. XXXX XXXX will immediately remove, retract and delete any and all derogatory information, comments, statements and notes reporting to each of the credit reporting agencies regarding the alleged debt. 
c. Any continued collection activities, or any continued reporting to the credit reporting agencies, regarding this invalid debt will be considered a violation of the FDCPA, and FCRA. 
XXXX AS SUCH, if any and all derogatory information regarding the alleged debt is not immediately, willfully and permanently removed and deleted from each of the credit reporting agencies, XXXX XXXX will also pay, within XXXX of said offense, to the Executrix, XXXX XXXX XXXX DOLLARS ( {$1000.00} USD ), THE MAXIMUM AMOUNT ALLOWED AS PER THE FAIR CREDIT REPORTING ACT. 

XX/XX/XXXX : I presented XXXX Credit with a Notice of Default and Right to Cure due to their refusal to validate their alleged debt ; and for failure to provide and deliver the information required, in accordance with the FCRA, to prove their alleged claim. 
a. In violation of the FCRA, XXXX XXXX REFUSES TO VALIDATE THEIR ALLEGED DEBT : i. FAILED to provide a true and certified copy of the complete audit trail of their alleged debt, since the date and time of origination through present. 
ii. FAILED to provide verification through audit certification of debt entry in accordance with Generally Accepted Accounting Principles ( GAAP ), as well as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX ( XXXX ). 
iii. FAILED to provide proof of lawful, proper and timely delivery of any and all required legal notices, to include any and all required signatures for said timely delivery and proof of service. 
iv. FAILED to provide proof of the commercially reasonable manner of the resale of the alleged subject vehicle. 
v. FAILED to provide proof that all allowable redemption and cure time limits were strictly adhered to. 
vi. FAILED to provide a copy of their tax registration certificate, business license for the XXXX of South Carolina, debt collectors license for the XXXX of South Carolina, and their bond. 
vii. FAILED to provide a detailed description of how XXXX XXXX stores its data, and how XXXX XXXX obtained its data, regarding their alleged debt. 
XXXX. FAILED to ensure each and every document, and each and every piece of information submitted to me is 100 % accurate, detailed, complete, true and certified, audited ( when applicable ) and in their entirety with all pages, attachments, addendums, exhibits, sub-sections and/or inclusions, without redactions. 
ix. FAILED to deliver this information via the United States Postal Service, to my address. Even though, TIME IS OF THE ESSENCE. 
b. In violation of the FCRA, Experian continues to update the reporting on this account even while this account is in DISPUTE. 
XXXX In violation of the FCRA, Experian continues to report the Current Account Status as Derogatory, every after the account was Closed and Charged Off XX/XX/XXXX. 
XXXX In violation of the FCRA, Experian continues to update and report the Current Late Payment History, each and every month, even after the account was Closed and Charged Off XX/XX/XXXX. 
e. In violation of the FCRA, Experian continues to report the Current Late Payment History even though the account has no required or agreed monthly payment. How can the account be late when no monthly payment is established or due? 
f. In violation of the FCRA, this account reports Date of Last Activity, XX/XX/XXXX. Yet XXXX XXXX reports XX/XX/XXXX to XXXX and also reports XX/XX/XXXX to XXXX. How can the XXXX be XXXX different dates in XXXX different years? 
g. In violation of the FCRA, this account reports Date of Last Payment, XX/XX/XXXX. Yet XXXX XXXX reports XX/XX/XXXX to XXXX. How can the XXXX be XXXX different dates in XXXX different years? 
XXXX THIS ENTIRE ACCOUNT NEEDS TO BE REMOVED AND DELETED IMMEDIATELY, DUE TO MULTIPLE VIOLATIONS OF THE FCRA. 

XXXX. XXXX XXXX XXXX ACCOUNT # : XXXX ) a. In violation of the FCRA, this account does not report a Date of Last Activity. 
b. In violation of the FCRA, this account was updated, after my initial dispute. They now report that a claim was filed with the government. Yet Experian refused to provide even a single document to verify this update, as I required in writing. 
c. In violation of the FCRA, Experian refused to provide any documentation, information or contacts, as I required in writing, from their independent investigation. 
XXXX THIS ENTIRE ACCOUNT NEEDS TO BE REMOVED AND DELETED IMMEDIATELY, DUE TO MULTIPLE VIOLATIONS OF THE FCRA. 

XXXX. XXXX XXXX ACCOUNT # : XXXX ) a. In violation of the FCRA, Experian refused to answer or even acknowledge my Dispute regarding the violations on this account. My dispute has been completely and utterly IGNORED. 
b. In violation of the FCRA, Experian reports the account was Transfer/Sold, but they do not report the name and contact of the new creditor, as is required. 
c. In violation of the FCRA, Experian refuses to report a Date of Last Activity. 
d. In violation of the FCRA, Experian refuses to delete this account even after they were informed of the multiple violations reporting. 
e. In violation of the FCRA, Experian refuses to provide any documentation, information or contacts, as I required in writing, from their independent investigation. 
XXXX THIS ENTIRE ACCOUNT NEEDS TO BE REMOVED AND DELETED IMMEDIATELY, DUE TO MULTIPLE VIOLATIONS OF THE FCRA. 

XXXX. BANKRUPTCY ( REFERENCE # : XXXX ) a. In violation of the FCRA, Experian refused to answer or even acknowledge my Dispute regarding the violations on this account. My dispute has been completely and utterly IGNORED. 
b. In violation of the FCRA, Experian reports they collect their Public Record Information from a Third-Party Source, XXXX. 
XXXX In violation of the FCRA, Experian refuses to verify the information they are reporting, directly from the Original Creditor, Original Source or Original Court House, as required. 
d. In violation of the FCRA, Experian reports reference # XXXX. Yet XXXX reports # XXXX and XXXX reports XXXX XXXX. How can this account have XXXX different reference numbers, and each be correct? 
XXXX THIS ENTIRE ACCOUNT NEEDS TO BE REMOVED AND DELETED IMMEDIATELY, DUE TO MULTIPLE VIOLATIONS OF THE FCRA. 

XXXX. ADDITIONALLY, I have requested in writing, twice, for Experian to provide proof and support of their independent investigation. More specifically, Experian refuses to provide the following requested items. 
a. In violation of the FCRA, Experian refused to answer or even acknowledge my Dispute regarding these multiple violations. Theyve completely and utterly ignored my written request a second time. 
b. Proof they verified each account directly from the Original Creditor, Original Source or Original Courthouse, and not by a Third-Party Source. 
c. The name, title, date, method of contact and the contact information for each person or representative of each original creditor or original source they contacted during their independent investigation. 
d. Any and all documentation and information they gathered in their independent investigation and was used to determine each account was updated and not deleted. 
e. Proof that all information they obtained is 100 % true, accurate, complete and verified. 
f. The name, title and contact information of every employee and/or representative of Experian, who personally decided each disputed item is not in violation of the FCRA and refused to delete it. 
g. The name, title and contact information of every employee and/or representative of Experian who participated in their independent investigation. 
h. An updated credit report along with my updated credit score. 

I believe youd agree, that every account reported incorrect, inaccurate, incomplete, erroneous and/or unverified is in violation of the FCRA and should be corrected and/or removed IMMEDIATELY. I also believe youd agree, that any other types of violations of the FCRA should be removed IMMEDIATELY. Especially after theyre brought directly to the attention of the Credit Reporting Agency! 

Unfortunately, Experian does not feel they are required to follow the FCRA, or required to protect my Rights as a consumer. Therefore, I ask for your help in this matter and I also reserve all my Rights,  natural and lawful, to file additional complaints to include State and Federal court. 

Should you have any questions or need additional information, please feel free to contact me directly.

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