Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: GA
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 have contacted Experian several times over the course of the last 3 months. Via phone and online, I have also filed numerous investigations in written for 3 accounts XXXX XXXX XXXX XXXX and XXXX XXXX, send certified returned receipt. The dispute came back as Verified, Accurate and updated but there is a BIG PROBLEM with the payment history all 3 accounts showing wrong payment history. XXXX XXXX shows my last payment on XXXX XXXX as my last payment, XXXX shows my last payment as XXXX XXXX and XXXX XXXX shows my last payment as XXXX XXXX. On XXXX all my account was still in GOOD STANDING with those companies, my account went to collection after I went overseas for several months and it was not in XXXX. I have also requested Experian to supply written proof of my payment history and they have not provided the information requested. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g 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 this accounts that you are reporting in my report. Please do n't respond to my request by saying that these accounts have been Verified, Accurate and updated. Please be advised that Under Section 611 ( 5 ) ( A ) ( i ). Of the FCRA by publishing these INACCURATE and UNVERIFIED items on my credit report and distributing them to 3rd Parties you are damaging my reputation and credit worthiness. You are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau, the Better business bureau and the State Attorney General 's Office. They will also be submitted as evidence in pending litigation provided if you fail to comply ; I Already contacted the law Office of XXXX XXXX, XXXX. About this case All information reporting on my credit report got to be 100 % Accurate per FCRA. 
CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETED INACCURATE, INCOMPLETE, or UNVERIFIABLE INFORAMTION. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
First Dispute was on XXXX/XXXX/XXXX Second Dispute was on XXXX/XXXX/XXXX Third dispute was on XXXX/XXXX/XXXX.

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