Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX XXXX and XXXX XXXX/2017, not one of the companies I filed a dispute with responded with validation within the 30 day time frame. Instead they respondent with an acknowledgement that the received the dispute. When i contacted XXXX I was told that the companies just have to acknowledge your dispute and in-which is all they needed to do in order to keep the debt on my credit.  That is not an investigation. Validation with an address and social security number can be obtained by anyone that can request your credit report. Copies of copies are not a form of Validation, and by Law are not considered proof. I was later (after 30 days) presented with unsigned contract and an itemized statement as of evidence of validation from XXXX XXXX and I received only an acknowledge of correspondence of my dispute from XXXX XXXX. I later received a copy of a copied contract from XXXX XXXX that nowhere indicated I had a contract with XXXX XXXX but another company and with an unidentified signature of another person. The process from these companies that are able to keep non- validated information on your account is breaking the law, and the credit bureaus are not investigating anything and are ignoring my request for the information that was provided from the reporting agencies to be provided to me. By law I can request the information from the credit bureaus to see what is provided to them from these companies to keep this debt on my credit, and I did this with an affidavit, that must be honored by law. Again, if you are going to keep items on my credit that has damaged my life and continue to damage my life, I need to see the proof of this debt because these reporting agencies are not providing validating information and some NEVER even responded at all to me (the consumer). I sent the proof of me sending affidavits to every company on my credit report and I also sent XXXX XXXX an affidavit as well, and still no response from my affidavit request. Summary: These companies/reporting agencies failed to provide me with a copy of any original documentation for example, a consumer contract with my wet-ink signature on as required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) of the Fair Credit Reporting Act.Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following:Original Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents (including any and all application and usage/activity signatures) and documents relating to any assignment of such account to and/or from any third parties.Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report..

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 non-monetary relief