Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: OH
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:
The CRA ( Experian ) is not in compliance with FCRA 609. This is reference to my recent complaint filed on XX/XX/XXXXXXXX. 

Yes they send me the credit report, but lacked the verified documentation on file as required. They violate the FCRA or other Federal consumer financial laws and regulations. 

The FCRA requires by law to provide the consumer with a copy of documentation that is verifiable i.e. verifiable documentation on file for the consumer. Make note that several court cases have ruled on idea of XXXX not providing accurate verification electronically. Thus in contrary to what the laws say what must be done. 

Now it would easy for Experian to provide the documentation in their files if a " verified '' the information as accurate, because as mention in the recent complaint they would have proof. Why not upload that documentation ( s ) as required by law and/or forward it to the consumer if the information reported was in fact accurate? 

Accounts in question : Account # : XXXXXXXX-XXXX-XXXX-XXXX-XXXX-XXXX-XXXX-XXXX-XXXX-XXXX  ( 11 ) Eleven Total Accounts The CFPB will continue to evaluate compliance with the requirement to review all relevant information by furnishers subject to its supervisory and enforcement authorities. In general, with respect to disputes received by furnishers from CRAs, the CFPB expects each furnisher to comply with the FCRA by : ( 1 ) Maintaining a system reasonably capable of receiving from CRAs information regarding disputes, including supporting documentation ; ( 2 ) Conducting an investigation of the disputed information including reviewing : a. all relevant information forwarded by the CRA and ; b. the furnishers own information with respect to the dispute ; ( 3 ) Reporting the results of the investigation to the CRA that sent the dispute ; ( 4 ) Providing corrected information to every nationwide CRA that received the information if the information is inaccurate or incomplete ; and ( 5 ) Modifying or deleting the disputed information, or permanently blocking the reporting of the information if the information is incomplete or inaccurate, or can not be verified. 

Lastly, as for validation of the debt in question in accordance with Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). Experian along with the data furnisher failed to provide the documentations requested by the consumer. This is so simple. I made the dispute but instead received a credit report indicating that it been update, but supporting documentations to their claim. When a cfpb rep review over my documents it clearly aligns with the account in question. Are their any real person reviewing it? cross referencing it. The CFPB Bulletin dated XX/XX/XXXX makes clear on the compliance of the law. 

Please review my uploaded documents and see where I asked for documentations using numbers and letters as bulletin to specifically asked for the documentations that I never received. Thank you so much.

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