Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dear to whom it may concern, My name is " XXXX XXXX ", I am reporting the inaccurate collection must be reinvestigate and delete if so. **Please be advised : your organization has shown negligent and willful reinvestigate the disputed entries in violation sections 611 ( a ), 616, and U.S.C 1681n, and 1681o. Your method of verification is one of the largest issues at hand. If you only rely on an electronic response, you are not fulfilling your obligations under the FCRA statues. WHAT IS YOUR METHOD OF VERIFICATION? The unverified and inaccurate items listed below must be investigated, legally verified with proof or removed pursuant to section 611a5Ai of the FCRA : **Credit card** XXXX XXXX Reported : XXXX. XXXX, 2020 This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Credit card** XXXX XXXX Reported : XXXX XXXX, 2020 This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. DELETE IT!! 
**Other loans** XXXX XXXX Reported : XXXX XXXX, 2020 This charge off account is not mine. How can there be both late payment and charge off show on payment history when this is a charge off account. Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. Delete it immediately!!! 
XXXX $ $ % % The FCRA evinces Congresss intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information. Bear grave responsibilities, 15 U.S.C 1681 ( a ( 4 ), to ensure the accuracy of the information. The grave responsibility imposed by 1681i ( a ) must  consist of something more than merely parroting information received from other sources. Therefore, a reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statue. 
$ $ % % ^^Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 
*** $ $ % % Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
^^^^I have never received any mailed disclosure, warning or event a notice about these account. The credit bureau has failed to maintain there responsibility and attempt to make me pay for the money I don't own. It's ILLEGAL.

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