Consumer complaint received 2017-11-07
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 received a letter today from Experian stating that they have previously processed this dispute and the credit grantor has verified that this accounts accuracy. However, Experian has failed to validate this account per my request under Section ( XXXX ) of the Fair Credit Reporting Act is a Consumers Disclosure Section which is to provide for the protection of consumers against false and erroneous reporting. 
This section of the FCRA places the burden upon the Credit Bureaus and the creditor to prove an account is yours. 
To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). Ad XXXX XXXX XXXX Acct # XXXX and XXXX XXXX Acct # XXXX have not been verified as accurate. I have already stated that I DO NOT CONSENT TO E-OSCAR VERIFICATION. I have provided documentation supporting that when I sent XXXX XXXX a certified letter requesting that they validate this erroneous account, I was provided a letter saying that they will look into the matter. That was in XXXX XXXX. It is now XXXX XXXX, XXXX and I have not received anything from XXXX XXXX validating or providing me any information. In the letter XXXX XXXX states THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. Experian has allowed this erroneous account onto my credit report. I have never done business with XXXX XXXX nor can they provide any documentation that I have ever done business with this company. In regards to XXXX XXXX XXXX XXXX, this should not be on my credit report. On XXXX XXXX, XXXX Report number XXXX Experian updated this account to XXXX, closed. This should be deleted. I am officially challenging your right to report and requesting XXXX XXXX of XXXX. If this information is not provided to me within the next 30 days I will gladly take all communication to my consumer rights attorney, who will make the demand in a court of law! In your statement to me on XXXX/XXXX/XXXX you state that you are in the process of contacting the furnisher, however, per SECTION XXXX this is information that should have been verified before it was placed on my credit report. Each credit reporting agency is to have in their files the original documentation. XXXX XXXX has no contract with me. THIS ACCOUNT IS UNVERIFIED!!! I will provide the letter that they sent to me once I requested validation in XXXX XXXX. I have never heard from them again, yet Experian has allowed them on my credit report. I know my rights and I fully intend to sue Experian for {$1000.00} per violation for. XXXX. Defamation XXXX. Negligent Enablement of identity fraud. XXXX. Violation of the Fair Credit Reporting Act! he FCRA was enacted by XXXX to protect consumers from unverifiable accounts and information from being reported on your credit report. Without documentation, the Credit Bureaus have NO RIGHT to list your personal financial information on your credit report. The Credit Bureaus are required by law to verify and validate every single account on a consumers credit report and Experian continues to fail to do so. This is my final goodwill attempt before I have to take legal measures against Experian. Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been validated. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). By publishing these inaccurate and invalidated items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. For Experian to tell me they will not investigate items that I know for a fact that they never investigated in the first place is against the law. I know my rights and I will exercise them to the fullest extent of the LAW!!! 
Please be aware that I am also filing a complaint against Experian with the FTC.

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