Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: LA
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:
I have attempted to correct 4 invalidated incorrect student loan accounts with Experian several times over the course of 4 months. The information being reported by this company is incorrect and remains invalidated despite several written attempts made by this consumer. I wrote to EXPERIAN XXXX/XXXX/XXXX via certified mail requesting proper validation of said accounts, regarding multiple discrepancies of late payments being reported during a forbearance period. EXPERIAN wrote back to me that they had " verified '' these accounts and would not be making any changes. I responded on XXXX/XXXX/XXXX, again via certified mail, requesting them send me the paperwork used in verifying these accounts with my ORIGINAL signature. I also requested copies of the forbearance paperwork with my original signature showing dates that should not have been marked late. EXPERIAN responded back in writing, " we are unwilling to reinvestigate these accounts. '' They also stated that they " verified '', these accounts " are being reported correctly ''. I responded via certified mail dated XXXX/XXXX/XXXX with a 'NOTICE OF PENDING LITIGATION SEEKING MONETARY DAMAGES UNDER FCRA SECTION XXXX & XXXX ' informing EXPERIAN that this was my last attempt to amicably resolve their continued violation of the Federal Credit Reporting Act regarding their refusal to delete UNVERIFIED information from my consumer file. I attached all copies of correspondence between EXPERIAN and myself and informed them that i would be filing a formal complaint with the Federal Trade Commission which would be used as evidence in pending litigation if they failed to comply with that settlement. I asked EXPERIAN, for the third time, " Who verified these accounts? You have NOT provided me ANY original documentation ( a consumer contract with my signature ) that i requested on XXXX/XXXX/XXXX. This information is also required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are  required to promptly delete ALL information which can not be verified. '' I stated that the law is very clear as to the Civil liability and the remedy available to me under Section 616 & 617 if EXPERIAN failed to comply with federal law. I requested again that these accounts be immediately deleted from my credit report as they are in clear violation of the FCRA and the UNITED STATES CONSTITUTION. I also quoted the United States Constitution. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ). To date, I have not received a response from EXPERIAN and the invalidated accounts continue to report. EXPERIAN is willfully breaking federal law with its negligent noncompliance and I am demanding monetary damages for their reprehensible actions. EXPERIAN has caused this consumer great stress by continuing to report negative invalidated information. Due to this exasperation, I demand EXPERIAN pay me {$100000.00} per every month they continue to willfully disregard federal law by reporting unverified information. I also demand payment for all legal fees incurred during pending litigation process. If EXPERIAN complies, in good faith, with FCRA law and immediately DELETES all 4-incorrect invalidated XXXX XXXX XXXX accounts, all will be forgiven, with no litigation or monetary damages expected. XXXX LAW DICTIONARY : verification-confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. " Equality under the law is PARAMOUNT and MANDATORY by Law ''

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