Consumer complaint received 2017-07-29
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: Their investigation did not fix an error on your report

Complaint:
FDCPA STATES : The FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. It also confirms that you agreed to pay the debt, and the amount of the debt is accurate. Any debt collection agency that refuses to follow these steps can be reported to both state and federal officials for violating the law. I have reached out to Experian since XXXX of XXXX disputing incorrect data on my credit reports and I have always received correspondence back saying that the information has been verified. Experian has on file 2 police reports. One dating XXXX and another forXX/XX/XXXX that they have failed to review. Items stolen in both reports were my identification such as drivers license, social security cards, credit cards, my childrens birth certificates, my birth certificate etc. On the report dated XX/XX/XXXX the report even states that the police have surveillance cameras from the gas station my purse was stolen from and another from the perpetrators attempting to use my cards and information yet Experian has failed to validate and delete what is not accurate on my credit report with them. I have attached another letter requesting information be validated. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation and your METHOD OF VALIDATION. I am aware that the credit bureaus employ all sorts of interesting automated tactics in an attempt to deal with deadlines. Yet many times the computerized methods fail to do their job properly. According to the law, the burden of proof is on the credit bureau and not the furnisher of the information and most importantly NOT THE CONSUMER ( ME ). Therefore if you can not validate the debt, the entry must be deleted. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. I am formally requesting documents, bearing my signature, showing that I have a legal binding contractual obligation to pay the alleged amount. Furthermore, if at any time the account is validated I am requesting Experian method of validation pursuant to the FCRA, including the name of the person with whom Experian spoke, who has first-hand knowledge of the accounts in question. I have been making this same request since XXXX of XXXX. All records in your files under my SSN should be correct and have my signature. I am aware that you all should have the paperwork in your files since you are reporting this negative information on my credit report. I am also aware that all info automated and computers do make errors. It has been said that the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, the credit bureaus are essentially data brokers. So more data is worth more money, even if some if it is being incorrectly reported. I am requesting the following be validated or deleted and blocked : XXXX XXXX XXXX XXXX  XXXX*** XXXX XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX  XXXX*** XXXX XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX*** If deleted I request this information be blocked and I require confirmation that the accounts have been blocked. I also request that all other addresses be removed from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have attached my credit report from XXXX showing that they have done their due diligence and removed the inaccurate accounts from my credit report. Please do the same Experian.

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 non-monetary relief