Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried reaching out to the credit reporting agencies to no avail. I filed Identity Theft Reports on XX/XX/XXXX ( FTC Report No. XXXX ) and XX/XX/XXXX ( FTC Report No. XXXX ) without any consideration on my behalf. I have also sent in several dispute letters outlining exactly what should be blocked/removed from my credit report. Experian, XXXX and XXXX did not perform a complete investigation on the disputed accounts listed in the attachments. I have not seen any documents with my wet signature proving that I was the person who allegedly opened those accounts. I am in the process of purchasing a home and these inaccurate fraudulent negative accounts are preventing me from accessing my XXXX given right to obtain credit and purchase the things that my family requires in life. Pursuant to USC 1691, it is illegal to be denied credit, it is an Adverse Action. It is unlawful for any creditor to discriminate against any applicant and yet, because of the inaccurate reporting practices and lack of any real investigations, Experian, XXXX, and XXXX have managed to accomplish just that. 
Since I refuse to pay these creditors, they are adding numerous late payments to my credit file. I NEED WRITTEN PROOF THAT THESE ACCOUNTS HAVE BEEN PROPERLY VERIFIED. WHERE ARE THE ALLEGED CONTRACTS BEARING MY WET SIGNATURE?? Maybe these contracts/securities are being traded on the secondary stock market??? Maybe that is the reason why these creditors can not produce any documents bearing my signature??? It is my presumption these contracts/securities are trading for millions of dollars which is fraud! Since they have not provided any adequate proof in a timely manner ( 130 days + ), the accounts should be deleted immediately! 
I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Experian, XXXX, and XXXX is required to promptly DELETE all information which can not be verified. 
Additionally, throughout my dispute process with the credit agencies, there has been a number of accounts deleted from my credit report, only to be reinserted days or in some cases weeks later. Experian, XXXX, and XXXX have never notified me for any accounts that were reinsertion, ever! This is a clear violation of 15 U.S. Code 1681i ( B ) ( ii ) ( iii ), 1681i ( 6 ) ( iii ), and 15 U.S. Cod 1681i ( C ).

Out of desperation from this negative reporting, I was/am forced to take responsibility for these accounts. As a result, I filed a number of IRS Form 1099A s ( all of which the IRS has approved ) in order to resolve the debt so these accounts would be removed from my credit file. I sent a letter to each of the credit agencies, yet no action was taken. 
These creditors have and continue to commit XXXX XXXX!! My latest correspondence to the credit agencies was dated XX/XX/XXXX. I sent each credit agency a Suretyship Affidavit which included a notary Republic as Jurat Certificate, along with my signature and thumb print, a copy of my drivers license, and my SSN card. The credit agencies sent correspondence a few days later claiming that they thought someone was attempting to dispute my credit and they believed it wasnt me. They contacted me via XXXX mail and via email to inform me that they were not going to investigate my disputes for this reason. 
This would be the opportunity for them to cure. I implore you ( CFPB ) to make this right. You are thee Credit Bureau, you are the only authoritative entity that was put in place to regulate the Credit Reporting Agencies and more importantly to protect and defend me, the consumer. Time is running out for my family. Our new home is under construction and should be completed in XXXX. If these fraudulent inaccurate accounts remain on my consumer credit report, we will not be able to purchase our home. 
The Suretyship Affidavit I sent on XX/XX/XXXX was clear on my plans for litigation. The litigation will include monies owed to me for Securities Fraud, Libel Defamation, Financial Injury, FCRA Section 605 ( c ) violations as well as Section 611 Part ( A ) ( 1 ) violations etc. This has caused financial hardship, and has affected my overall health.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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