Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
Despite all of my previous written requests ( with tracking through Certified Mail ) for Experian to provide me with the physical documents, the name of the person in their company who verified that disputed accounts are accurate and belong in my file, and what documentation did they use to verify that these accounts are accurate and belong in my file, Experian ignored my rights and instead told me that they 're labeling my dispute as Frivolous. 

Frivolous is defined as, having no sound basis, or lacking in seriousness. However, I can assure you that the laws defined in the FCRA are of sound basis and should be taken very seriously. 

Experian 's actions clearly demonstrate that they are in violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and Experian 's responses to them. 

XXXX Law Dictionary, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

Experian 's written response states that Experian has reinvestigated these accounts, and verified them as being accurate, however, it is obvious that Experian has not verified any disputed account physically, as requested because Experian has n't provided any such documentation from the Creditor maintaining the account with Experian. 

All Experian has done is relayed electronic information given to them by other sources, and now Experian is attempting to shift the burden back to me to prove that the reported items on the disputed accounts listed in my dispute letters are not valid, which is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA. 

I am drawing the conclusion, based on these stated facts that Experian does n't have any proof on file to verify that these accounts belong on my file. 

When we go to litigation Experian will be required to produce the documents they used to verify these items through the discovery process, and since Experian does n't have any documents in their files verifying that these items are valid, then that will be proof that Experian did not properly verify the accounts, and they will have to be deleted and I will be entitled to monetary damages for defamation of character. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to promptly DELETE all information which can not be verified. These laws are very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 of the FCRA ) if Experian fails to comply with Federal 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