Consumer complaint received 2018-12-11
Company: Experian Information Solutions Inc.
State: OH
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:
This will be my last complaint with Experian. Its clear they have forgotten the FCRA laws. I have looked over my credit report asking for a investigation concerning accounts on my credit report and deleting the errors and Experian failed to do so. I will be forced to start legal actions if no resolution and I will be contacting Experian CEO XXXX XXXX. Experian does not learn there lesson. Experian has been sued numerous times for failing to investigate. I did not ask for verification, I asked them to investigate and upon there investigation I asked Experian to provide me with this information : " I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. '' All I received is a bogus pre-made letter stating information " The dispute is complete and it meets FCRA requirement ''. I did not get the information I requested. There is comments from the creditor in the comment section of mostly all the accounts that need to be removed for the comment section is for the consumer and I did not authorize Experian to put any comments in the comment section. You also still have XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX all that are in bankruptcy due to Identity theft showing a balance and showing " charge off '' instead of chapter XXXX, XXXX '' balance with no other comments. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Experian for violation of the Fair Credit Reporting Act and Defamation. 
I have already won a similar lawsuit against 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