Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: MS
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:
Today I received a phone call from an investigator in the Office of Criminal Enforcement after sending the Executive Office for U.S. Trustees, in Wasington D.C a letter of complaint against Experian and XXXX. I was informed that the information both verified as accurate is incorrect.

Experian ( see attached letter ) responded that it WILL NOT RE INVESTIGATE unless evidence is provided. I am demanding in compliance of FCRA 609 ( a ) ( 1 ) for all the information in my file that was used to verify this inaccurate reporting.

I am requesting per FCRA 603 ( d ) ( 1 ) for all the written, oral, or other communications that was used to verify this as accurate when it is inaccurately reporting.

I have certified mailed all inaccurate reporting such as filings status as discharged and the furnisher listed is inaccurate because The fact that I contacted the court records concerning this inaccurate bankruptcy reporting on my report that you maintain under my social security number, the court system address you have listed represents the original furnisher, is a VIOLATION of the Privacy Act of 1974, 5 U.S.C. 552a.

The Privacy Act prohibits the disclosure of my records from Pacer.gov, XXXX XXXX, and/or 3rd Party Consumer Reporting Agency or a system of records without my written consent. 

I am therefore requesting what actual petition of the bankruptcy, bearing my signature in BLUE INK. FCRA 603 ( 2 ) Verification ( I ) made in connection with an application that was made by, or in connection with a review of an account under section 604 ( a ) ( 2 ) must obtain written consent from me. Under Section 604 of the Fair Credit Reporting Act Transunion must a notarized copy of the original written authorization.

Per FCRA 611 ( 2 ) a prompt notice of dispute to be sent to the furnisher of information listed below within 5 business days of receiving this dispute and per FCRA 623 ( a ) it is their duty to provide accurate information, because I have specific knowledge based on the findings I have listed below exercising my rights under the FCRA 623 ( a ) ( 1 ) ( D ). 

XXXX listed XXXX XXXX as the furnisher that verified the account, I HAVE ( ATTACHED ) MY LETTER FROM XXXX XXXX IN WHICH THIS INACCURATE AND UNVERIFIED WAS DELETED. 

My request is not for 1681e ( b ) investigation but per FCRA 1681i ( a ) a re-investigation. I am demanding a description of the procedure used to determine the accuracy and completeness of the information, including the name, business address, and, if available, the telephone number of any person contacted in connection with this bankruptcy. I am hereby requesting, that for this SPECIFIC INFORMATION of the standard procedure used for verification and validation of disputes filed under FDCPA and FCRA. Also provide the name, address, and telephone number of each person contacted regarding this alleged account PER FCRA 609 ( A ) ( 2 ).

According to FCRA 623 ( a ) it is the duty of the furnisher to provide accurate information that includes : FCRA 623 ( 8 ) my rights to dispute information directly with the furnisher ( A ) In general. XXXX   AND EXPERIAN, in consultation with the Federal Trade Commission, the Federal banking agencies, and the National Credit Union Administration,  should prescribe regulations that identify the circumstances under which a furnisher is required to reinvestigate a dispute concerning the accuracy of information contained in my report on the, based on my direct request.

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