Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX I mailed Experian a letter, asking for verification of an account that's been reporting on my credit report. In this letter I requested for Experian to send me the documents used to verify this account which they have failed to do so which is a violation of my FCRA rights, I also asked for the legally binding contract between the company reporting the debt and myself which Experian failed to produce. I've ask Experian now 2 times to produce documentation they used to validate the account, the person who verified the account as well as their contact information However, they did not supply to me the verification documents. 



I requested the following from Experian and they have failed to produce any documentation used to verify the account or the persons who actually verified the account Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 



XXXX XXXX XXXX, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

What this means in your language is that Experian must be willing, but most importantly, able to produce a document in your files that proves the account ( s ) in dispute belong to me, and the information being reported is accurate, and Experian must be able to do this in a court of law, should I file a lawsuit against Experian. Someone at Experian must authenticate the documents in your files that were used to verify the disputed accounts, and to do this the

y must have first hand hand knowledge of the alleged account ( s ), and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Current Federal case law states that, Consumer Reporting
Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.

The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed

by 1681 ( a ) ( 4 ) of the FCRA. Experian has elected to ignore my previous request to provide me with the documents that they have in their files that they used to verify the disputed accounts, which means that they have NOT verified, or they can not verify, any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA. Therefore,
Experian is required to promptly DELETE all inaccurate information which can not be verified through this process.

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