Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: MA
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:
MY ORIGINAL COMPLAINT : I believe Experian is in error regarding their completed Investigation ( Report number : XXXX ) of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the Hard inquiries are valid or not. The dispute centers on the CRA 's ( Experian 's ) right to REPORT the Hard inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the Hard inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the Hard inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiries MUST BE DELETED from my Credit Report file. Furthermore, Experian HAS ALREADY deleted 10 of the 34 disputed Hard inquiries, thus setting legal precedent for and nullifying any legal argument against the validity of my complaint. 

EXPERIAN 'S FIRST RESPONSE : Thank you for submitting your complaint on XXXX XXXX, XXXX through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the two attachments, you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that the disputed inquiries are unverified. You are requesting for verification to be provided and for the disputed inquiries to be deleted from your credit report. The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time. Please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.comXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

MY RESPONSE TO EXPERIAN 'S FIRST RESPONSE : THE LAW IS CLEAR, AND AVAILABLE FOR ALL TO SEE! 
TAKE SPECIAL NOTICE SECTION ( E ) - - " OR can not be verified ''!! 

FEDERAL LAW Federal Trade Commission ( FTC ) Fair  Credit Reporting Act ( FCRA ) XXXX XXXX 609.  Disclosures to consumers : U.S. Code Title 15 Chapter 41 Subchapter III 1681g ( c ) ( 2 ) ( E ) : ( c ) Summary of Rights to Obtain and Dispute Information in Consumer Reports and to Obtain Credit Scores ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified.

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