Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I've been disputing issues on my credit report with all 3 bureaus for quit sometime. I begin on on XX/XX/XXXX with advising all 3 bureaus that first off ... .... 

XXXX XXXX  XXXX  account is inaccurate, the open date is incorrect all reports and late payments are incorrect .. so the payment history is inaccurate.. they never adjusted it nor did a thorough investigation.. I demand them to delete account well fargo hm mortge is reporting inaccurate info .. date open is false / bal is incorrect. i asked them to perform a legal investigation and they responded verified i asked them how was it verified they never gave any evidence of validation.. i demand them to delete account.. they refused to.. 

On XX/XX/XXXX i again to challenge them on a method of verification asking them who did they speak to and whats their method of verification.. they never responded..I tried to contact them after the letter was sent out to speak to someone who can help and they only wanted to redispute my concerns other than following the FCRA guidelines ... I demand them to remove accounts off my credit report.. After that I received a verified letter stating they are not removing accounts ... 

XX/XX/XXXX this is what I sent them ... I have sent multiple dispute letters to you and it seems they you are simply sending a form response to me. I do not believe that any investigation has ever taken place because if there had been, these accounts would not remain. I've detailed the creditor names, account numbers and the facts taken directly from my credit report that prove why they need to be deleted. What doesn't make sense to me is that in addition to being inaccurate, these accounts are also in violation for continued reporting. You can not possibly have even 1 reason for failing to remove them and yet, here I am having to point this out to you. I am once again including all relevant information for you to perform an independent investigation and I expect that when my new credit report arrives, I will no longer see these accounts. I have also submitted complaints to the CFPB because of this gross misconduct on your part! Remove the following : I DEMAND THESE ITEMS BE DELETED IMMEDIATELY ... .AGAIN NO RESPONSE ... XXXX 

on XXXX/XXXX I sent a non response letter asking them to not ignore my concern i received a stall letter asking for my identity to be sent in.. I sent in my Id social and proof of mail.. they never responded ... 

on XX/XX/XXXX I sent in another letter advising them of the section 609, 605, 607 law and if they don't comply but the FCRA they must remove  without prejudice.. after that I received a letter of verified.. with no explanation.. 

on XX/XX/XXXX I sent the bureaus a letter to them that i will be contact the CFPB if you don't comply and perform a thorough investigation.. I received a verified letter once again.. 
I sent out letters to all the creditors asking them to validate debt, with my signature original documents blue ink, amount owed, contract, proof of identification and the company only sent my a statement not showing date opened or when it was paid off .. this is totally against the law to perform illegal practice and not able to provide original documents to show payment history and payoff documents ... i will like these accounts to be removed immediately XX/XX/XXXX I resent a new letter to XXXX XXXX  and XXXX XXXX stating this ... ... 

your company is reporting inaccurate info,, i have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.. 
I am writing to request that you please provide the following info.. 
please evidence your authorization under 15 us 1692 ( f ) in this alleged matte what is your authorization of law for your debt of information what is your authorization of law for your collection of this alleged debt? 
what is you evidence authorization to do business or operate in this state please evidene proof of the alleged debt including the alleged contract or other instrument bearing my signature please provide a complete account history, including, any charges added for collection activity ... ... 

please remove this accounts 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