Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am contacting you in hopes that you can assist me in regards to my Experian Credit File. I've contacted Experian several times regarding the inaccuracies of multiple accounts on my credit file which are NOT reflecting my true credit history. This has been an ongoing issue with no proper resolution. I've called by phone, sent certified letters through the US Postal Service ( still have all of my signatures cards ), and made a complaint through the CFPB regarding those inaccuracies. I've disputed this matter several times and still have not receive the requested " Methods of Verification '' from Experian. However, all my disputes are closed with these results, for ALL accounts - the disputed information was verified or updated accordingly and the results were forwarded to you for review. I recently pulled my credit report and discovered that I have 20 " Closed and/or Refinanced '' accounts reported with inaccuracies from different creditors on my credit file. Trying to get the inaccuracies for these accounts to reflect accurate information on my credit file has been complete torture to me and my credit score. I disputed these accounts several times for incorrect balances, account statuses ( closed, open, etc. ) and late reporting inaccuracies and each time it comes back as verified. Ive tried requesting validation for these accounts from the creditors many times which Ive been unsuccessful. Therefore, I started utilizing my FCRA rights by requesting your methods of verification for these same accounts since your dispute results keeping coming back as being verified. 



I HAVE NOT received any documentation and I've been dealing with this stressful situation for over 10 months and this matter is preventing me from being a first-time homeowner. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Almost 3 month ago, I received a CFPB response stating that your investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified documents were reviewed to conclude your investigation? 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4.What did it cost your company to obtain the documents needed to complete your investigation? 5.Please provide proof of your timely procurement of certified documents. 6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7.If yes to above : a.Who did you speak to? b.On what date? c.How long was the conversation? d.What was their position? e.What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g.What is the position of the employee of your company that spoke directly to the above party? h.How long has that employee been employed by your company? i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party? 8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease. 



Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 



My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information within 15 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 



These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. 



Creditor 's Names and Account numbers : XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX-XXXX XXXX XXXX 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 explanation