Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NJ
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:
You have not satisfied my demand for the method of verification for report number : XXXX sent to you on XX/XX/XXXX. Please be advised that you are required under the FCRA to have a copy of the original creditors documentation on file to verify that all information furnished on my consumer report is mine and is correct. In the results of your reinvestigation completed on XX/XX/XXXX, you stated in writing that you verified that these items are being reported correctly. I am again very concerned about the Validity and Accuracy of your recent reinvestigation of my previous dispute. 

Pursuant to 1692g, I am requesting the Method of Verification for the inaccurate account ( s ) you are reporting. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a request for a reinvestigation of the previous dispute. This is a request for the Method of Verification for report number : XXXX ; where the following items should be provided to ensure the validity of the account ( XXXX ). 
Please provide the following items listed below : The name of the original creditor. 

The original creditors address and telephone number. 

Who in your company verified the account ( XXXX )? 

How did they verify them? 

What certified documents were reviewed to conclude your investigation? 

Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the reinvestigation. 

Please provide proof of your timely procurement of certified documents. 

Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 

If you reply XXXX to the above then : Who did you speak with? 

What was the date? 

How long was the conversation? 

What was their position? 

What number did you call? 

What is the name of your employee that spoke directly to the above party? 

What is the position of your employee that spoke to the above party? 

How long has that individual been employed by your company? 

What type of training was provided to this employee in order to investigate items of this kind? 

Were there any e-mails or written communications between employees of your company and the above party? 

If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( XXXX ) in question. 

Please provide the date of the commencement of delinquency. 

Please provide the SPECIFIC date reporting that this item will cease. 

Also, why did you not send me copies of the verification that I requested with my dispute? 

Enclosed with your response to the above items requested, 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. 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 demand the above mentioned account ( s ) be deleted immediately from my consumer report to prevent further damage.

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). You have NOT provided me 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 you are required to promptly DELETE all information which can not be verified. 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.

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 required deletion or required documentation of your reinvestigation which would then demonstrate your willful noncompliance as it pertains to my consumer report, I will file a complaint against you with the Federal Trade Commission, my local Attorney General and in Federal Court. It is your duty to accurately report information and as of XX/XX/XXXX you are not doing that. I look forward to EXPERIAN resolving this serious matter within a timely manner. 

Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal. 

Silence is acquiescence. Acquiescence is estoppel.

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