Consumer complaint received 2022-10-20
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:
Hi, I wrote all three credit bureaus to provide original documentation with my signature to challenge the accuracy, compliance, and reportability of these incorrect listings by XXXX XXXX and XXXX  XXXX XXXX. 

I want to add that nothing from the Credit Bureaus was ever received that I asked for by postal mail. Only a standard " fraud letter '' that has nothing to do with my request for documentation with my signature, totally ignoring my right to request original documentation with my signature allowing such reporting and especially providing explicit written consent by me as afforded by The Fair Credit Reporting Act. 

Willful disobedience of my right to request these items is a direct violation of the Fair Credit Reporting Act and their continued unwillingness to obey the law and provide me with my requests means they have to remove the items that smear my otherwise stellar payment histories with dozens of other creditors. In fact, their letters sent to me say " STILL PENDING '' and won't be resolved until XXXX the XXXX which exceeds the thirty-day period of the law in my request for documentation with signatures of original copies of my permission which I never gave, and, why I requested the false negative items removed and thus now writing you to be an advocate for me to clear my besmirched credit history that is adversely affecting my ability to purchase my final home. 

Experian commented via the credit report that they had " that XXXX XXXX met the requirements '' totally ignoring my request below for documentation, for late payment removal. XXXX stated that there is no late payment reported appearing on my XXXX Credit Report, that letter was dated XX/XX/XXXX. However, upon looking at my XXXX Credit Report dated with the same date of XX/XX/XXXX it clearly states that the statement they made saying nothing was negative in my report is false because it is on my report. They can't even get their facts straight on two items dated the same date. I want these removed as is my right for them first being clearly incapable of getting it right, and second, they failed to produce the documentation I requested, not, once, not twice but three times now. 

The same applies to XXXX XXXX XXXXXXXX as the credit bureau never sent anything by mail as requested and only commented via Experian Report saying " that the company reported back to them saying that the information was accurate '' Again they ignored my right to ask for documentation signed by me as is my right under the Fair Credit Reporting Act and as such, I am asking for the negative incorrect items to be removed. This was my third polite attempt to all three Credit Bureaus and again as stated above I need an advocate to make them obey our Federal Laws. 

XXXX and XXXX failed to even respond within the thirty-day period required by law and thus should be removed as required by the Fair Credit Reporting Act " FOR MY CHALLENGES of both XXXX XXXX Late Payment in XXXX of XXXX. All letters were sent with Certified Return Receipts and verified as having been delivered. Copies of these receipts will be given to you as I keep precise records of something so important and vital in need of correction as I am trying to secure financing for a new home and a new roof over the people I take care of. My reports are clean and excellent with the case in point being I have had my oldest account with XXXX since XXXX and have never been late for any payment in the 21 years, I have been associated with them. That's over XXXX consecutive payments and I can assure you that I am that meticulous at age XXXX to understand the importance of on-time payments this is my third letter to both companies to remove the incorrect information I have removed the personal information as you instructed from the original content so all you see below is the content and complaint but not my name and social security number XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Late Payments on : CC # XXXX - XX/XX/XXXX I challenge the accuracy, compliance, and reportability of this listing. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX This is the content minus the personal info removed from all three complaints to XXXX XXXX XXXXXXXX. 


The next challenge was for XXXX XXXX XXXX and Late payments. 

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Late payments on : CC # XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CC # XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CC # XXXX - XX/XX/XXXX, XX/XX/XXXX I challenge the accuracy, compliance, and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 



I have all three identical letters with exception of the Credit Bureau Addresses being different, I have previous letters and their responses, and I also have certified receipts of delivery if you need to see them.

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