Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
This complaint is regarding the following as well. Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem. Improper use of your report ( shared without consent, credit inquiries from unknown sources Re : No Response from Credit Bureaus regarding Unauthorized Credit Inquiry Request Escalation of l Hard Inquiry Removal.

Dear Consumer Financial Protection Bureau I am in receipt of NO correspondence made by XXXX Experian, and XXXX.

In the correspondence, I advised all three Bureaus to verify the accuracy of the inquiry but yet the Inquiry is currently reporting with no response from the bureaus and no verified information from them. Additionally, on XX/XX/17 I wrote all three bureaus regarding the Fraudulent Inquiry. On  XX/XX/2017 the certified mail receipt was stamp by our UPS postal service. I received confirmation of the return signature that XXXX and Experian. 
Furthermore XXXX, XXXX, and Experian did not respond within the thirty days allowed by the FCRA not provided any evidence the back any of the allegations as advised on XX/XX/2017. Several laws has been broken and pointed out since then. 
Finally, Transunion didnt bother to respond to my certified mailing and all fail to respond by law. All Bureaus failed to respond or provide any physical proof that I indeed made the alleged inquiry.

1.I filed the dispute of this particular Inquiry that you are reporting under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this inquiry record.

2. I contacted your firm with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. II contacted your firm with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting.

3. You must have adequate records to substantiate the debt, if not it is UNVERIFIEABLE and CAN NOT be reported. Tort law is quite clear in this matter! You have 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. And you have choose not to, I will have no choice but commence the unpleasantness of a Section 1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines 4. I have LEGALLY exercised my rights by disputing the validity of this Inquiry. I have in writing and attempted to confirm the accuracy of the information reported to your firm ; and during this process the acts by omission by all three bureaus prove substantially that the inquiry as reported is invalid. By ignoring my legal validation demand XXXX, Experian, and XXXX is in direct violation of the FDCPA. Since XXXX, Experian, and XXXX  has knowingly violated both federal and state law and I can document this violation, I am demanding that they CEASE all reporting activities. Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.

5. I submitted IN WRITING a Validation request under the FCRA title 611, this request was ignored by the Bureaus, and they failed to provide any validation information required by FCRA. I have followed the letters of the law yet XXXX, Experian, and XXXX have ignored and refused to address my legitimate problemcan you help?

In conclusion it is my position that XXXX, Experian, and XXXX claims are entirely without merit.

Sincerely.

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