Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: CT
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 'm quite disturbed by the blatant disregard and negligence by the credit bureaus. I have been disputing specific accounts due to their errors and inconsistencies for 7 months now and have had absolutely no assistance from them or the creditors/collection agencies. I 've done my research and now know that the burden of proof is on them and not me to prove that these are reported accurately. I will include the law pertaining to this as well as my specific disputes. I do n't understand how the CRA 's can get paid to report these items and have no recourse for reporting inaccurate information or that they can state something has been verified without ever proving it 's validity as required under the FCRA. Congress states in XXXX v XXXX XX/XX/XXXX, that the burden of proof is on the credit bureaus, not the consumer, and that they are required to perform their own investigation to determine that these items are reported accurately. Nothing of this sort has ever been performed. Section 609 protects me agains the abuse of the CRAs and against false reporting of unknown and inaccurate account listings. They are required to send me the signed documentation that was filled out when the accounts were opened or the items must be removed. Nothing of this sort was ever received and I continue to receive statements saying they have been verified. How were these verified without the proper documentation required by law? What method was used? What procedures were used? How is it that they are verifying this information and yet the collection agencies have failed to ever send me anthing other than the same invoices over and over again? Each bureau is listed separately : Experian : The following accounts are unknown to me and have never, at any time, been legally verified as required under sections 609 or 1681. I require the physical docs signed by me from when the accounts were opened for these to remain on my credit file : XXXX ACCOUNT XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX For Connecticut XXXX, I knw for a fact that i was never late on this account and the only legal proof they can produce would be the bank statement of this company proving when my payments were accepted into their account. Anything other than this is just hearsay and is not legally acceptable. This alleged late payment status along with both late payments must be removed because I paid on time XXXX : The following accounts are unknown to me and have never, at any time, been legally verified as required under sections 609 or 1681. I require the physical docs signed by me from when the accounts were opened for these to remain on my credit file : XXXX ACCOUNT XXXX, XXXX XXXX XXXX XXXX : The following accounts are unknown to me and have never, at any time, been legally verified as required under sections 609 or 1681. I require the physical docs signed by me from when the accounts were opened for these to remain on my credit file : XXXX ACCOUNT XXXX, XXXX XXXX XXXX RECORDER OF DEEDS XX/XX/XXXX - they have not fixed this account the entire time I 've been disputing. There 's nothing reported accurately on this account and recent changes to the laws mandate that my personal information must be reported along with this account on my credit report and I can clearly see that is missing along with pertinent info for this account. XXXX must report the actual name of this court and just a type as well as the fact that the balance should be XXXX. I will not accept for either of these bureaus the response that they " verified '' with these companies my name, date of birth and social security number. That is not legal verification, does not meet the requirements of the FCRA and would not stand up in any court of law, federal, small claims or other. I will not stand for this abuse anymore and I 've also made complaints with the Attorney General because I 've had enough of this! They must either send this documentation or remove these accounts.

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