Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: DE
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:
EXPERIAN has FAILED TO PROPERLY VALIDATE THE REQUIRED INFORMATION WITHIN THE 15 DAYS LEGALLY PERMITTED, HAS SENT STALL LETTERS, AND CONTINUES TO REPORT THE ERRONEOUS INFORMATION Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/2020 RE : XXXX XXXX XXXX XXXX SEE ATTACHED DOCS The federal Fair Credit Reporting Act states that I may : I am hereby exercising my rights as detailed by the Fair Credit Reporting Act - 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], Paragraph 7, which states : Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) bUT not later than 15 days after receiving a request from the consumer for that description.

Fair Credit Reporting Act - 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], Paragraph 6, Section B, Item III states : ( iii ) requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher I am hereby requesting a description of how my dispute was verified, including the business name, address, phone number and any other contact information pertaining to my dispute. 
In addition, I am also requesting that my updated Experian Credit Report be included with your response. 
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 in a timely manner 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. 
Regards, XXXX XXXX, XXXX XXXX XXXX XXXX DE XXXX XXXX SS # 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