Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA. XXXX XXXX XXXX XXXX XXXX XXXX GA According to the Fair Credit Reporting Act, you are required by federal law to verify through the physical verification of the original signed consumer contract on any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account for you to report.

For this reason, I demand for my own protection to see the Verifiable Proof ( an original Consumer Contract, with my signature on it ) You have on file of the accounts listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

***Please remove all non account holding inquires over 30 days old.

I demand the following accounts be verified or removed immediately.

Im attaching the fraudulent image of how this creditor is inaccurately reporting the fake payments they are saying I made to them over the course of 4 years. I never made a payment to them as this is not my account XXXX XXXX XXXX Experian XXXX   XXXX Account Number XXXX Account Type Credit Card - Revolving Terms Revolving or Option Account Status Closed Closed Closed Payment Status Late Late Late. LATE Account Balance {$420.00} {$420.00} {$420.00} Balance Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Balance {$420.00} Business Type N/A N/A N/A Classification Credit Card - Revolving Terms Revolving or Option Revolving account Company Sold to N/A N/A N/A Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Limit {$300.00} {$300.00} $ XXXX  Monthly Payment {$0.00} {$0.00} {$0.00} Percentage of Credit Used 142.67 142.67 142.67 Terms N/A N/A N/A Amount Past Due {$420.00} {$420.00} {$420.00} Responsibility Individual Individual Individual Original Amount - - - Original Creditor N/A N/A N/A Date Last Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments This account in particular I'm not even concerned with a wet ink signature. I'm demanding proof of the payments they state I'm making on MY CREDIT REPORT AS LATE AS XX/XX/XXXX!!!! 
As I have no knowledge of this account and I have not been provided verifiable proof on the last time I requested it from this institution, I am asking for a second time. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please provide me with " Proof of my agreement to pay the original creditor " A copy of the final account statement issued by the original creditor ; " A breakdown of the total amount due, showing principal, interest, and other charges ; and " For all other charges, the date of and the basis for each charge.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Under the Fair Debt Collection Practices Act, debt collectors must send the consumer a written notice of the debt within 5 days of initial contact with you, adds XXXX XXXX, founder and managing partner of the consumer protection division at XXXX XXXX XXXX. Then, the consumer has thirty days to request verification of the debt. If the consumer requests verification of the debt, the collection agency should provide enough information to establish that the debt is legitimate and accurate. 

Thank You 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