Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian has violated my rights as a consumer and has failed to investigate these erroneously lt reporting Bankruptcies : Reference Number : XXXX Reason : Unverified Bankruptcy Court : US BKPT CT WI XXXX Reference Number : XXXX Reason : Unverified Bankruptcy or make ANY attempt to research my dispute received certified mail delivered to them on : XX/XX/2020 Experian has violated the FCRA LAW three times and my consumer rights attorney and I have record keeping documentation and mail tracking confirmation of every letter. I also have conversations with their customer service team at the end of XXXX with us noting every conversation and details of the call, also to mention mail tracking my documentation via USPS certified Mail. 



This is not verifying and a true investigation. This is an absolute violation! I even spoke to a supervisor. They confirmed that they received it but could not find it. That is a lie! VIOLATION! Nothing stated with my signature According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

AGAIN - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all  accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


Experian will be sued in Federal Court Next Month. 
They will be sued under the FCRA, which awards me damages. 
XXXX will have to pay attorney 's fees, which means that they will have to pay my attorney in addition to their attorney 's and me IF ANY. 

According to federal credit law spelled out in the Fair credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Experian has failed to do this. This must be deleted and removed promptly according to the law. You are now also subject to {$1000.00} fine in court and ligation in XXXX we will be filing. This would be a fair resolution for violating the law under consumer FCRA. 

The Data Furnisher clearly state that they dont report any Bankruptcy information to the Credit bureaus neither does XXXX XXXX, The United States BK CourtOf XXXX Wisconsin or XXXX XXXX XXXX XXXX XXXX County Court. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA By law, the information was must be deleted as you were in violation by law on : XX/XX/2020 ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did, who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can  you provide me with the contact number and name of the person you talked to? 

Experian Unfortunately can not provide this. This MUST BE DELETED IMMEDIATELY. 

Thank you, XXXX

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