Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of Experian recent investigation ( XX/XX/2020 ) of XXXX XXXX XXXX and XXXX XXXX XXXX that is reporting on my credit report. I requested an investigation of XXXX XXXX XXXX and XXXX XXXX XXXX account reporting on my credit file because I felt the item was not being reported legally and lawfully. I received a letter stating that Experian investigation was complete. The account was removed by both XXXX and XXXX   because of fraud. I would like Experian to explain to me how they conducted their investigation? I contacted the below creditors and they have NO proof I initiated such account or inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Method of Verification 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a ) .Who did you speak to? b ). On what date? c ). How long was the conversation? d ) .What was their position? e. What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g. What is the position of the employee of your company that spoke directly to the above party? h. How long has that employee been employed by your company? i. What formal training was provided to this employee to investigate items of this kind? j. Was there any e-mail or written communication between members of your company and the above party? 8. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9. Provide the date of the commencement of information 10. Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will formally request a jury trial! XXXX XXXX will further pursue all of my legal remedy without further notice to Experian. XXXX XXXX has attempted to resolve this matter formally before filing a lawsuit! Please Remove/delete XXXX XXXX immediately!

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