Consumer complaint received 2018-06-17
Company: Experian Information Solutions Inc.
State: TX
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:
I can not get Experian to Experian to conduct any real reasonable investigation. I have sent multiple dispute request to Experian regarding an account they are reporting on my file. I have had several complaints that I have filed with the CFPB. This matter is not going away. i am committed to correcting this matter. 

Every single dispute that i have request by Experian, I have been given the same template letter that they send to everyone. i Have proof that Experian do not conduct reasonable investigations. they simply parrot what ever information the two digit code says. which is against the LAW. 

" In XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' This is the extent to every investigation done by Experian. 

I requested the detailed results from these disputes and all I get is the same template letter that they ask the furnisher and simply report what the furnishes sends back. 
I sent Proof to Experian and asked for a detailed report to what they are using to varify these accounts? They refuse to send these results. They only send the template of how a dispute process works. That is against the Law. 

I have on several request asked for detail results. I have complained to the CFPB and no one seem to care about the law. They tell CFPB that they will comply but they do not. 
I made an complaint with the XXXX XXXX XXXX against XXXX on the same issue. 
during that correspondence XXXX acknowledged that they can not provide any proof that I opened that account. They have nothing on file to validate the account. 

HOW CAN EXPERIAN VERIfY AN ACCOUNT THAT XXXX CAN NOT PROVIDE ANY PROOF OR VALIDATION? 

This proves that Experian did no real reasonable investigation at AT NO TIME. 

I will include the transcript of the correspondence between myself, the XXXX and XXXX. 

XXXX admit to deleting any contract after two years. For five years they have not been able to send any proof of any debt to show anyone. Experian could not have possibly verified any information as valid. 

This statement id by the XXXX representative " XXXX XXXX 's claim that his request for verification has been ignored is without merit. XXXX XXXX records indicate verification was mailed to him on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. He requested proof by way of a signed contract. XXXX XXXX 's contracts are processed via a recorded authorization from the customer to accept XXXX XXXX as their provider. These recordings are required to be kept for 2 years, therefore, as the enrollment occurred more than 5 years ago, the recording is no longer available. '' the verification mentioned here is a billing statement. and XXXX is aware that that is not PROOF or validation of a debt AND DOES NOT LEAGALLY SHOW I INFACT AM OBLIGATED TO A DEBT. Anyone can print a bill and it does not validate. not is sufficiant for Experian to keep that unvalidated account on my file and Experian is also aware that a billing statement is not validation. But yet they have not received anything from XXXX because Experian is not conducting a real investigation. 

THIS IS PROOF.

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