Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: KY
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 disputed information with Experian on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. The information that has been disputed are for the following accounts. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 )  XXXX XXXX  act # XXXX 2 ) XXXX XXXX act # XXXX 3 )  XXXX  XXXX act # XXXX 4 ) XXXX XXXX  act # XXXX Initial formal digital dispute was done on XX/XX/2020 and Experian recognized the dispute on XX/XX/2020 and XX/XX/2020 ( as you will see in enclosed photos from their dispute center the recognition of the dispute, as well as a copy of the initial dispute that was uploaded ) 2nd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) In a 4th attempt to resolve this issues, I have also filed a complaint with CFPB ( complaint # XXXX ) and in an attempt to further stall the process Experian responded stating they did not believe the complaint was authorized by me. 

In a 5th attempt to resolve this issue, I filed a second complaint with CFPB ( complaint # XXXX ) and Experian has yet again, refused to uphold their legal obligations. I had enclosed a copy of my drivers license, social security card and current electric bill to provide verification that I am indeed the person filing the complaint. 

This is now my 6th and final attempt before I WILL PURSUE LEGAL ACTION. I have provided more than sufficient evidence to prove my identity as well as prove that they have legally not done their job. 


I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Experian has done nothing more than " update '' information that is not has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Experian appropriately " updated '' or " verified '' the information they are reporting on my credit report. 

Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that Experian is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.

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