Consumer complaint received 2018-01-27
Company: Experian Information Solutions Inc.
State: SC
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:
To whom it may concern I am writing to file a formal complaint against the credit reporting agency Experian. I have sent several disputes to this agency and they send replies saying verified on accounts that I have no knowledge of. Experian has violated the FCRA by sending me a letter saying they refuse to investigate certain accounts because I have not provided relevant information or evidence. ( letter attached ) As a data furnisher Experian should be able to provide me with proof that these accounts belong to me and that this information is accurate as they are reporting it. A credit reporting agency can not just accept the information provided by the furnisher is correct just because they say it is correct. They need to supply proof! You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 
Experian has the duty to go beyond the information provided by the furnisher and must verify the original source of the disputed account ( the original creditor ) The secondary data furnisher ( the collection agency ) is not considered a reliable source for verification and validation in their reinvestigation. Specifically, Title 15 U.S.C. 1681i requires you to reinvestigate each disputed item and to complete the reinvestigation or delete the disputed item within one month. If your bureau continues to fail to live up to its obligations under the law, I will proceed to court and pursue any other remedies that may be available to me under applicable laws and regulations. In this regard, I note that Title 15 U.S.C. 1681n & 1681o provide for the recovery of punitive damages and/or attorney 's fees under appropriate circumstances. I urge you to complete your investigation within the time allotted to you by law. In the event that you are able to verify this item, please consider this letter as my request in advance that you supply me with the name, company address and company phone number of the person having verified the report, as required under Section 1681i ( a ) ( 6 ) ( B ) ( iii ) which states that you provide " 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, if reasonably available. '' The following accounts are inaccurate and do not belong to me : XXXX/XXXX Account # : XXXX XXXX XXXX XXXX- Account # XXXX & Account # XXXX XXXX- Account # : XXXX XXXX XXXX- Account XXXX 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 non-monetary relief