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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To Whom It May Concern, This dispute is in response to your recent claim that XXXX XXXX account has been verified that the account is reporting accurately. Despite not complying with the FCRA requirements and I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX ( XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. Their improper procedures are highly damaging to my credit score. Please immediately delete this item. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the actual account number as required by the FCRA. I am formally requesting a copy of any documentation provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. This listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D XXXX. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

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