Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I mailed a dispute to the Experian, XXXX and XXXX credit bureaus disputing XXXX derogatory accounts XXXX XXXX placed on my file, as per my rights under the FCRA. I was specific in my demands that to prove the existence of said accounts, there would have to be a signed contract, a listing of the chain of assignments establishing XXXX as a Holder in Due Course of any account, and a sum certain, a complete financial history of the alleged accounts with fees and interest in order to prove accuracy. About thirty days after, all three bureaus reported back that XXXX validated the debts, and that my disagreement was acknowledged but these accounts remain. 
On XX/XX/2019 I sent a Method of Validation letter to the three bureaus again as per my rights under the FCRA, giving the allotted 15 days to answer and have received no answer more than 15 days on so, yesterday, the XXXX Of XXXX I mailed a letter to the three bureaus demanding both alleged XXXX accounts be removed from my report. That was when I had decided to bring the Consumer Financial Protection Bureau into this to hold these companies to account and create a record preserving my rights. 
Also, I never recall having received a 1692g FDCPA Validation letter from Portfolio on either account and only knew of one account from a letter that was forwarded when I moved. The other account I was completely unaware of until I checked my credit in XXXX for the first time in years. Portfolio was calling the house number where I live and when I investigated the number I learned who they are and what they do, and I learned their business practices. I read the consent order that the CFPB issued against them and knew they are not a company I want to do business with nor are they a company I want to have possession of my personal information. On XX/XX/XXXX of this year they called the house and I called them back and told them they are never to call this number again. The calls ceased until my recent dispute with the bureaus and they started calling several times a day. Also, after I disputed with the bureaus I received a direct mailing from Portfolio including what I assume they count as proof of the validity of these accounts. A bill from each, a copy of a bill of sale, all hearsay. No contract, no legitimate chain of assignment, no sum certain documentation, no affidavits of accuracy. On XX/XX/XXXX I mailed a letter to them directly by certified mail informing them that I am aware of their business practices and their detrimental history, pointed out violations of the FDCPA, and demanded they offer verifiable proof of the legitimacy of these alleged accounts and told them to stop sending derogatory information about me to the bureaus if they cant prove anything. I have received no answer not even the certified receipt back. As I said, I am writing this to establish a record and hope some action can be taken against this company that frequently crosses the line into Unconscionability.

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