Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: MO
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:
On XXXX XXXX I sent a certified letter return receipt to Experian in which I am uploading that letter as well to this complaint. I sent them the letter with tracking number XXXX XXXX XXXX XXXX XXXX in which Experian received my mail on XXXX XXXX at XXXX XXXX and also I did as they requested and sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX and was received on XXXX XXXX. I also sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX in which XXXX XXXX received my letter on XXXX XXXX at XXXX am.In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been violated, so I am exercising my rights under the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). The bureau is now being LAWFULLY COMPELLED by rightful consume DEMAND to provide detailed information in this matter as this has escalated into a pending tort action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), I request that they forward all of the relevant information provided by them to the creditor their investigation followed of my dispute. I followed all the steps and Experian is still reporting these non compliant medical accounts on my credit report. I do not authorize the to mis-report any mis-information now or ever. I have sent several letters before this asking that they please review and ENSURE their records are adequate and full accordance to the law upon which governs their practice of reporting consumer credit profiles. They are reporting inaccurate and incomplete information in regards to the following medical accounts 1.XXXX  XXXX-XXXXxxxx 2.XXXX  XXXX-102517xxxx 3.XXXX XXXX-XXXXxxxx 4.XXXX XXXX-XXXXxxxx 5.XXXX  XXXX-XXXXxxxx I demand that they contact the medical facility in which I have already done, and demand a validation of the debt ( of course they cant provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Experian has failed to complete their investigation of this Medical Collection and refuse to remove it because clearly the provider can not validate the information they are reporting on my credit report. My letter I sent to them on XXXX XXXX was my letter of consumer check and challenge for lawful reporting compliance and was my officially composed writ formal complaint that they are reporting one or more of the following, ILLEGALLY. Under FCRA 611 ( a ) ( 7 ) I requested for a description of the procedure used by the agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payments from my credit file that the bureau provided to me. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), the bureau was required to forward all of the relevant information provided by them to the creditor for their investigation of my dispute. After contacting the creditor I have been led to believe that THIS did not take place, in which this is a clear violation of the FCRA and the FCBA. 

Their reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which they are reporting chichanary lead subterfuge. 
Their reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. 
Their reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which you report chichanary lead subterfuge. 
Their reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. 
Their reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they report in chichanary lead subterfuge. 
Their reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP nd or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they are reporting in chichanary lead subterfuge. 
Their reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potential injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. 
Their reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which the credit bureau is reporting in chichanary lead subterfuge.

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