Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: MI
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 submitted a complaint on XXXX XXXX, XXXX to cfpb regarding Experian credit reporting practices. The complaint is as follows : I have sent XXXX certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of all the items from Experian. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my Experian credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX First Savings Credit Card Account # XXXX First Savings Bank XXXX Account XXXX XXXX XXXX Bank Account XXXX XXXX XXXX XXXX Account # XXXX Synchrony Bank XXXX XXXX Account # XXXX XXXX Bank XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX and Associates XXXX XXXX XXXX and Associates XXXX XXXX Frontier Communications # XXXX XXXX XXXX Systems XXXX XXXX XXXX 

This is the response that I received from the company on XXXX XXXX, XXXX : Company 's Response Thank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you there are XXXX items which you believe have not received proper verification or for which you have not received a response. You would like these items deleted from your report. Per your previous request to begin an investigation, we contacted the data furnishers to verify the accuracy of the information with which you disagree. Regarding items XXXX and XXXX : these items were reinvestigated and verified as accurately reported by the data furnisher and public record vendors. The results summary was sent to you on XXXX XXXX, XXXX. Regarding items XXXX, XXXX and XXXX ; our records indicate that these items are not displaying on your credit report. We are in the process of forwarding you a copy of your credit report for confirmation. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a XXXX statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian Additionally, the FCRA does not require that the consumer credit reporting company obtain documentation such as the actual signed sales slips, signature cards, contracts, etc. ; nor does it require that consumer credit reporting companies act as mediators or negotiators in account disputes. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB XXXX XXXX. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

Experian 's response was false. When Experian stated that the FCRA does not require that the consumer credit reporting company obtain documentation such as the actual signed sales slips, signature cards, contracts, etc. ; nor does it require that consumer credit reporting companies act as mediators or negotiators in account disputes. Listed is the FRCA Rights for consumers and how credit reporting agencies ARE REQUIRED BY LAW to handle ALL consumers disputes, which Experian has not done with me. 

Fair Credit Reporting Act & XXXX The Fair Credit Reporting Act ( FCRA ) provides that upon receipt of a credit report dispute from a consumer, the agency must conduct a reasonable investigation into your dispute. The XXXX provides that the agency must : XXXX a reasonable investigation into your claims As part of the investigation, notify the creditor of your dispute Provide the creditor any relevant information that you provided the credit reporting agency as part of your dispute Report back the results of the investigation to you within 30 days of their receipt of your dispute. ( if you provide them additional information within that 30 day period, the credit reporting agencies are entitled to an extra 15 days to conduct the investigation Remove and delete any inaccurate information or information that can not be verified. 
Also, the credit reporting agencies must provide a notice that, if you request a description of the procedure used to determine the accuracy and completeness of your credit report, it shall be provided to you, and include the business name and address of any furnisher of information contacted as part of the investigation and the telephone number of such furnisher, if reasonably available And - They must provide a notice that you have the right to add a statement to your file disputing the accuracy or completeness of the information. 

I once again XXXX that Experian removed the accounts that still appear on my credit report immediately. Experian is reporting FALSE information on my credit report as they have not verified or validated any of the items I 'm disputing on my credit report, which is against the law. My next step will be to file a court case against Experian for reporting false information that is both not verified or validated.

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