Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: NY
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:
The attached Dispute was provided and ignored. 

Proof of identification from Category 1 Social Security Card and Category 2 Drivers License was supplied and ignored in previous dispute request. The previous submission is attached. The Category 1 AND CATEGORY 2 PROOF IS INCLUDED IN THE LAST PAGES OF THE LETTER AND ATTACHED TO THIS COMPLAINT. 


THIS IS NOT A REPORT OF IDENTITY THEFT Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims. Accounting principle representational faithfulness means GAAP ( Generally Accepted Accounting Principles ) requires that the economic substance proves what event occurred regardless of what the legal forms said. See the book, 1997 Miller GAAS Guide by Larry P. Bailey ( p. 3.05 ). 

Debt Verifications which do not satisfy Federal Laws 12 USC Sec. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR Sec 741.6 ( b ) regarding Generally Accepted Accounting Principles and Generally Accepted Auditing standards regarding the account and balance is a violation. 


All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX, XXXX.- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Account : 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 non-monetary relief