Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
My rights under the Fair Credit Reporting Act was not enforced and violated. I sent separate certified and notarized letters to the three credit bureaus, XXXX, Experian, and XXXX, on XX/XX/18 requesting verification of accounts under Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I requested verifiable proof ( an original consumer contraction with my signature ) for seven accounts. One account lender sent the verifiable proof with a letter date stamped for XX/XX/18. The other six did  not. Experian responded with a letter date stamped XX/XX/18 indicating my investigation was complete and made negative marks on my account. XXXX responded late, with a letter date stamped XX/XX/18 indicating my investigation was complete and updated all accounts with negative marks. XXXX   responded with a letter date stamped XX/XX/18 with the results of my investigation as 'verified accounts ' and updated each with negative marks. I did not receive the verifiable proof for the remaining six accounts under the Fair Credit Reporting Act as requested. On XX/XX/18, I sent a second round of certified and notarized letters to the credit reporting agencies requesting verification of the remaining six accounts under the FCR Act, Section 609 ( a ) ( 1 ) ( A ), verifiable proof, and demanded the information be deleted promptly if it could not be verified within 30 days. Experian responded with a letter date stamped XX/XX/18 refusing to reinvestigate unless additional 'relevant ' information was sent to support my claim.XXXX responded with a letter date stamped XX/XX/18 indicating my investigation was complete and updated all accounts with negative marks and as verified. XXXX responded with a letter date stamped XX/XX/18 with the results of my investigation as 'verified accounts ' and updated all accounts with negative marks and changes in payments date received. On XX/XX/18, I sent additional request of verification via certified and notarized letters to the credit reporting agencies for my remaining six accounts under the FCR Act, Section 609 ( a ) ( 1 ) ( A ), verifiable proof, and demanded the information be deleted promptly if it could not be verified within 30 days. Approximately 60 days has passed without proper enforcement of my rights. Experian responded with a letter date stamped XX/XX/18 referencing steps for the dispute process and did not acknowledge the request. Another letter was sent date stamped XX/XX/18 indicating accounts were updated and the investigation was closed. Credit bureau reinvestigated the account that I already stated was 'verified '. XXXX responded with a letter date stamped XX/XX/18 regarding the Investigation Procedure. XXXX responded with a letter date stamped XX/XX/18 with the results of my investigation as 'verified accounts ' and updated all accounts with negative marks. XXXX  also investigated the same account that I already stated was 'verified '. A certified notarized letter was sent on XX/XX/18 to XXXX, XX/XX/18 to Experian, and XX/XX/18 to XXXX   demanding six unverified accounts be deleted immediately. I have not received a response back from any of the bureaus honoring my initial request on XX/XX/18 under the FCR Act. Instead, my 10 year account that was closed, was reopened and triggered a 20 point drop in my score.

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