Consumer complaint received 2018-03-10
Company: Experian Information Solutions Inc.
State: TX
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:
I received a copy of my report pertaining to " XXXX XXXX XXXX '' account number : XXXX. On XX/XX/XXXX I requested in my letter attached .. '' As you can see from the letter attached the company is refusing to validate the debt. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate disputes. If you can not verify the information within the 30-day time  period, you must delete all of the disputed accounts from my report. Seeing as I have received a refusal letter from the company to prove the debt as valid I would like to have it removed from my credit report immediately. " In hopes that experian would actually investigate the matter. On XX/XX/XXXX I  received a copy of my report, report number : XXXX stating the account as verified. Then on XX/XX/XXXX I received report number # XXXX after calling experian and explaining this company had no validation of said debt in their files to an experian supervisor, experian continued to report the account in my credit file. On XX/XX/XXXX I sent a request to experian, please see attached .... asking for " complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. '' I RECEIVED NOTHING FROM EXPERIAN '' except an updated copy of my report stating the account was updated. HOW???? WHEN???? WHAT WAS USED??? .... Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. EXPERIAN sent me no info except an updated report, please see attached. The account was updated XX/XX/XXXX .... experian updated in less than 30 days, NOT EVEN A FULL INVESTIGATION, as a matter of fact I sent my original letter dated XX/XX/XXXX and they responded XX/XX/XXXX which is 16 days to be exact. I still have open investigations with CFPB for World Finance and the XXXX. How could Experian have validated the debt??? What documents did XXXX XXXX provide to you?? Report number # XXXX says the account is closed with balance of {$410.00} but the letter I received directly from " XXXX XXXX '' states they no longer have validation on file, see attached. You are also reporting an incorrect account type ... .initially you said this is a " secured loan '' however per the updated report as of XX/XX/XXXX you, experian, report world finance as an " auto loan '' ... XXXX world finance does NOT even sell vehicles. Nor did I use any vehicle as a collateral for alleged services ... Where are you getting your information???? The balance has also changed, from XXXX to XXXX back to XXXX ... due to the fact that world finance no longer has the alleged debt in there record .... they no longer have an ORIGINAL CONTRACT signed by ME. I am highly displeased with Experian. I have contacted my attorney and will be filing suit against experian if they continue to report unverifiable, unvalidated info on my personal credit file. I am fully aware of my rights. I see several FCRA violations on your part.

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 non-monetary relief