Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: AR
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:
I XXXX XXXX do not understand why Experian is violating my rights under the FCRA. I have submitted a complaint to the CFPB and you Experian is still not cooperating. I sent in a certified letter to Experian on XX/XX/XXXXDated XX/XX/2018. The letter was a certified letter asking for the METHOD OF VERIFICATION on the Account XXXX XXXX # XXXX. Experian received the letter and started a dispute. Per the FCRA 611 ( a ) ( 7 ) I the consumer has the right to request a complete description of all methods used to investigate the verified account XXXX XXXX # XXXX. I requested specific information in my certified letter that I wanted to see. The person name, the address, the telephone number and the documentation Experian used to verify the account/dispute. This is against the laws and rules of the FCRA and I will be seeking a Lawyer on this matter to file a suit for damages, because Experian is not proving the METHOD OF VERIFICATION. On XX/XX/2018 I received a noticed that Experian had completed their investigation. How is it that they completed the investigation when I never received my METHOD OF VERFICATION on the account XXXX XXXX # XXXX. This is not right I am entitled to the METHOD OF VERIFICATION. I will be filing a law suit for damages. I enclosed a copy of the letter I sent Experian requesting the METHOD OF VERIFICATION. I have enclosed a copy of the dispute results from Experian that I received on XX/XX/2018. I never asked for Experian to update anything on this account. I was requesting METHOD OF VERIFICATION. As you can see with the disputed account the previous dispute from XX/XX/2018 shows the same information as the information on the dispute from the last dispute as in XX/XX/2018. 
Im not understanding why Experian is stating that the account is updated and both of the results shows the same information so Experian is reporting misleading information and refused to send me the METHOD OF VERIFICATION. I have all rights to see the METHOD OF VERIFICATION. I will be showing this to a lawyer because I am entitled to damages for the willful noncompliance. Nothing was changed from the dispute dated from XX/XX/2018 the information is the same from the last XX/XX/2018 dispute, so Experian is lying and no information has changed. I asked for method of verification so I dont know why this account is still showing as updated. This is my last complaint I will be filing a lawsuit because I asked for the method of verification and I was denied my rights under the FCRA,, Experian should have removed the account from my file. You didnt provide the method of verification and it should have been removed from my credit file. This is not rights you cant say you updated the account when I clearly asked for the method of verification. the account information didn't changed.. again I asked for the METHOD OF VERIFICATION. I EVEN CALLED THE ORIGINAL CREDITOR AND ASKED DID THEY HAVE ANY RECORDS OF THE METHOD OF VERIFICATION AND THEY STATED THEY DIDNT HAVE ANH RECORDS OF THE METHOD OF VERIFICATION WITH EXPERIAN WITH THE ACCOUNT..

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