Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
This is completely unacceptable ive sent letter after letter and even filed a complaint with the cfpb numerous times and there has been nothing done I KNOW MY FCRA RIGHTS AS A CONSUMER AND IF THIS ISSUE CONTINUES TO GO UNRECTIFIED I WILL FILE A COMPLAINT WITH THE ATT. GENERALS OFFICE The two accounts listed have been disputed repeatedly due to the inaccurate reporting of this account and it keeps coming back updated or verified. 
Based on my understanding of my rights I asked the bureau to show how the account was verified only for the account to come back as updated. 

This is a violation of my rights I HAVE THE RIGHT TO KNOW HOW THE ACCOUNT WAS VERIFIED SINCE THEY KEEP SAYING IT WAS VERIFIED. 

The letter was sent back in XXXX AND STILL NOTHING HERE IS MY FORMAL REQUEST FOR VERIFICATION AGAIN IF THESE ACCOUNTS CAN NOT BE VERIFED DELETE THEM XX/XX/XXXX Regarding : XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$420.00}, Payment : {$0.00}, Issue : Date open and/or High balance is incorrect XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ), Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : -, Issue : Account type account status date opened balance terms high balance past due and/or payment status are inaccurate Subject : Debt Verification To Whom It May Concern, The account above concerns me. This is notification that I formally dispute this claim and seek verification. 

Pursuant to local state laws as well as the FDCP and FCRA, Im requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company. 


Please note that I can seek remedy due to FCRA and FCDP violations if a negative entry is placed on my credit report with XXXX, XXXX, and Experian from a debt I do not owe. Also, if that debt is not validated with physical evidence, it must be deleted from my credit reports. 



To prevent me from taking such action, Im asking that you request that those negative entries be deleted, if there were placed on my credit reports pending the outcome of the evidence you will provide. Not doing so without this evidence, injures me and I could be entitled {$1000.00} per violations for damages. 



I will seek these damages on the grounds of : Negligent Enablement of Impostor Fraud Defamation Violation of the FCRA including but limited to 623 ( b ) Furnishers ' Investigation of Disputes Filed with CRAs Duties failures under CFPB Regulation V Violations of the FDCP including but limited to Section 807. False or misleading representations subsection 8 The goal is to correct the records and a request for information only. This is not a statement, determination, or waiver of status. Just know that any information provided will be used as evidence of any additional action that is necessary. 



Here is contact information : XXXX XXXX CC : CFPB CC : XXXX  CC : AG office

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