Consumer complaint received 2020-08-29
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:
The following is a timeline of events detailing my issue ( s ). My complaint will be found in the last paragraph, final sentence.

1. XX/XX/XXXX Received 3-in-1 credit report from XXXX XXXX. 
2. XX/XX/XXXX Mailed validation letters directly to XXXX XXXX XXXX XXXX ; to XXXX XXXX XXXX, XXXX ; to XXXX XXXX  and two letters to XXXX XXXX ( RE : Acct. # : XXXX & Acct. # : XXXX ). 
3. XX/XX/XXXX Received three letters from XXXX XXXX declaring their inability to validate accounts. Moreover, these letters revealed account numbers that were not reported in my credit report. 
4. XX/XX/XXXX Received two letters and an attachment from XXXX XXXX XXXX, XXXX. 
Letters were not delivered within the required timeframe ( Violation of 15 U.S. Code 1692g ( a ) ).

Letter # 1 revealed XXXX XXXX dissolving of ownership of alleged debt and established PRAs ownership of alleged debt as of XX/XX/XXXX. Letter # 1 also revealed reporting errors for both the furnisher and the credit reporting agency, a violation of state and federal laws.

Letter # 2 provided an attachment declaring validation. In fact, Letter # 2 and its attachment failed to validate alleged debt. The law requires a signature on an original consumer contract for a debt to be valid.

5. XX/XX/XXXX Received response from XXXX XXXX XXXX XXXX. 
Letter was not delivered within the required timeframe ( Violation of 15 U.S. Code 1692g ( a ) ). 
XXXX XXXX XXXX XXXX reply failed to validate the alleged debt. 
Moreover, this reply revealed reporting errors for both the furnisher and the credit reporting agency which are violations of federal and state laws. 
6. XX/XX/XXXX Mailed validation letter to EXPERIAN regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Ending In : XXXX XXXX XXXX ( Acct. # : XXXX & Acct. # : XXXX ) 7. XX/XX/XXXX Mailed response letters to XXXX XXXX XXXX XXXX ; to XXXX XXXX XXXX, XXXX  ; and to XXXX XXXX informing each company of its failure to validate alleged debts and to request each company to comply to federal and state laws by validating alleged debts. 
8. XX/XX/XXXX Received replies from XXXX XXXX  and XXXX XXXX XXXX, XXXX First response from XXXX XXXX ( The correspondence indicates this was a response to a direct request to validate. This correspondence does not indicate response from XXXX request to validate ). 
Therefore, XXXX XXXX  correspondence letter was not delivered within the required timeframe ( Violation of 15 U.S. Code 1692g ( a ) ). 
This document sent by XXXX XXXX declared validation and refused further requests to validate. The fact remains that XXXX XXXX   document failed to validate the alleged debt. The law requires a signature on an original consumer contract for a debt to be valid. 
XXXX XXXX XXXX, XXXX  response was its second attempt to validate the alleged debt. This reply was identical to its XX/XX/XXXX reply. Again, XXXX failed to validate alleged debt. 
XXXX recent correspondence reply revealed reporting errors for both the furnisher and the credit reporting agency which are violations of federal and state laws. 
XXXX XXXX XXXX, XXXX attachment was a document refusing validation request, a violation of federal and state laws. 
9. XX/XX/XXXX Received reply from XXXX XXXX. 
Reply was identical to its response dated XX/XX/XXXX. 
XXXX XXXX, again, declared its inability to validate alleged debt. 
Reply revealed reporting errors for both the furnisher and the credit reporting agency which are violations of federal and state laws. 
10. XX/XX/XXXX Received second response from XXXX XXXX XXXX XXXX. 
Response declared XXXX XXXX XXXX XXXX inability to validate alleged debt. 
Correspondence letter also revealed reporting errors for both the furnisher and the credit reporting agency which are violations of federal and state laws. 
11. XX/XX/XXXX Received a third correspondence letter from XXXX XXXX XXXX, XXXX. 
Correspondence was identical to the failed validation letter sent, XX/XX/XXXX Again, XXXX XXXX XXXX, XXXX. Violated state and federal laws by failing to validate alleged debt. 
The law requires a signature on an original consumer contract for a debt to be valid. 
12. XX/XX/XXXX EXPERIAN responds to validation request dated XX/XX/XXXX. 
EXPERIAN failed to remove unverified and non-validated accounts : XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. 

EXPERIANs failure to remove unverified and non-validated accounts from my credit report prompted my request for the description of how the reinvestigation was conducted and how EXPERIAN determined verification of accuracy and completeness regarding the results of the dispute. 

Along with the request for description of how the reinvestigation was conducted and how EXPERIAN determined verification of accuracy and completeness regarding dispute, I also requested EXPERIAN to provide copies of any documents bearing my signature, showing a legal binding obligation and the name, address, and telephone number of each person contacted regarding this dispute. To date, I have not received a reply from EXPERIAN or any acknowledgment.

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