Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: AR
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2018 I disputed an inaccurate account with EXPERIAN XXXX XXXX XXXX. The account I disputed was XXXX XXXX XXXX Account ending with XXXX well Experian did their investigation and the account came back verified and accurate. On XX/XX/2018 I typed a letter to Experian asking for their ( METHOD OF VERIFICATION ) for that account and dispute. I am absolutely certain that the item I disputed is incorrect and should be removed, so I was hereby exercising my rights under the FCRA 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I have attached the letter that was sent to EXPERIAN via certified mail. I have a copy of the certified mail receipt that I sent the letter to the address listed on my credit report. On XX/XX/XXXX Experian received my certified letter started the process of my letter they received it and they refused and failed to send me my request. This is not right are you Experian investigating and verifying this account and me as the consumer cant the METHOD OF VERIFICATION like I asked for. Experian you are in violation of the FCRA and this is against the law and I will be filing a small claims suit for the non compliance for this matter. The letter was sent certified you received it and did the reinvestigation and failed to send me what I am entitled to see. I would like this account removed from my credit report. On XX/XX/2018 I received a letter stating that this account was verified and Experian wasn't going to investigate the matter again.. Experian you failed to send me by mail the proof and the method of verification that I am entitled to. On XX/XX/2018 I called the original creditor which is XXXX XXXX XXXX   and spoke with a XXXX XXXX XXXX agent her name was XXXX her rep id is XXXX and I asked her for the records of Experian Method 's of verification the agent stated she didn't have any records of the method of verification from Experian on this account This is not right and against the FCRA. Experian please remove this account from my file,, I will be going downtown to my local court and file this suit if this account isn't removed from my file. be advised I have all the paper work showing that is sent all letter to Experian and they received them and violated my rights under the FCRA. Experian was given ample amount of time to send the paper work and yet they refused to send me the METHOD OF VERIFICATION. please delete the account asap from my file or this will be a legal matter in court. and I will be entitled to damages for the non compliance and violation for the FCRA 611 ( A ) ( 7 ). and willful non compliance. I have attached the delivery notice, the certified mail receipt, the letter dated XX/XX/2018 and the Experian results,

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