Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
I recently disputed some errors on my consumer report and for the most part majority of the information was cleared off of my credit but i didn't appreciate that there were 3 accounts that weren't removed as well. I stated that there was inaccuracies on my report and i listed the exact accounts. I've disputed the accounts for over a year and it received several letters stating that the accounts are accurate. How can an account be accurate and i sent in a dispute at XXXX XX/XX/XXXX and the items were disputed within a few hours, which tells me that something fishy is going on. The accounts that were listed was inaccurate. How is it that 3 accounts remained on my credit report? It makes no sense i also asked that you sent me the procedure on how you were able to verify the remaining inaccurate accounts. I asked that you send me the name of the person or individuals who is reviewing my credit file, what procedure and steps were taken to ensure that the account is indeed inaccurate or disputed. I didn't get any response, nor did i get a report attached with original documents of any factual contracts bearing a wet signature. By law you must remove the remaining accounts that i am now disputing for the 10th time. It isn't fair to suffer other peoples consequences so i'm trying this last time for this to be resolved for good. I didn't authorize anyone in the past to review or place any inaccuracies on to my credit file. As of now yes i am allowing you to dispute the listed inaccurate accounts and inquiries. The accounts that remained were 1. XXXX XXXX # XXXX 2.  XXXX XXXX # XXXX 3. XXXX XXXX The inquiries that are inaccurate 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX   4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX Soft Inquiries : all removed. I will follow tomorrow to ensure that my credit file is fixed and adjusted from the inaccurate accounts and inquiries listed on my credit file. If for any reason you attempt to generate a verify or accuracy code on my file again i will make sure by the end of this week to file several depositions against your company. I'm not allowing a day for this dispute to be done. I'm making sure that you get right to the bottom of this and my credit file is cleared of any inaccuracies. You have broken the law on several occasions here. According to the FCRA, FACTA laws and regulations. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that if you cant send me proof of these accounts from Experian, it must come off today now now now now.All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed  permanently and immediately. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed permanently and immediately. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed permanently and immediately. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed permanently and immediately.Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.

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