Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX, I submitted a complaint to Experian via the CFPB Complaint Portal stating that I sent one letter to the credit bureau on 3 separate occasions on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for collection accounts reporting on my credit report. The credit bureau each time has failed to provide such proof. The complaint number on CFPB is XXXX. The complaint was closed and should not have been because it was not properly or adequately addressed. 

Experian responded on XX/XX/XXXX stating Unfortunately, at this time, we are unable to process your dispute or disputes, as it is not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. Experian stated In order to properly address your concerns, please contact Experian ... with your specific disputes along with the names and/or account numbers of the items being disputed and we will proceed accordingly. 

Further down in the same response to my CFPB complaint number XXXX, Experian responded that Our research indicates that you contacted us previously to request a reinvestigation regarding the disputed item. Experian then goes on to say We had previously placed the item under reinvestigation per your request, on XX/XX/XXXX and XX/XX/XXXX. Experian is stating two opposite things in the very same response. They said stated that they could not proceed because the disputed item was not specific but then immediately following stated that their research indicates that I contacted them regarding the disputed item. So in fact they proved by their own written statements that they do have the specific disputed items just as their research indicates. 

To provide absolute clarity and to leave no further excuses or room for error for Experian, I am specifically disputing the items below that include the account names and numbers that appear on my credit file and should not be : 1. XXXX XXXX - # XXXX XXXX. XXXX XXXX # XXXX 3. XXXX XXXX - # XXXX Experian also responded to the same complaint that The data furnisher responded and verified that the disputed information was accurate as reported. Again, this further proves that Experian indeed does has the specific disputed items. 

Who is the data furnisher? Simply stating that the data furnisher responded and verified that the disputed information was accurate as reported is not is NOT verifiable proof. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Again, if you can not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above I demand the following accounts be verified or removed immediately.

Additionally, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

Thank you.

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