Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: FL
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 recently filed a complaint with the CFPB against Experian credit reporting agency on XXXX-XXXX-2018 my case number is XXXX I filed the complaint regarding 2 accounts on my credit report that are not supposed to be on my credit report. To prove that my complaint is true and accurate, Experian made a timely response to my CFPB complaint ( XXXX ) stating that the 2 accounts in question ( XXXX ) are not currently on my Experian credit report and as I reviewed my current credit report I see that those 2 accounts named " XXXX '' do currently reflect on my credit report. I don't understand why Experian would provide the CFPB and myself a false response to my prior complaint. Experian has very strict regulations that must be followed per the FCRA which protects consumers such as myself in situations like this. This prior response from Experian was NOT acceptable and a complete lie. Furthermore now I'm an forced to file a brand new complaint since the issue was not resolved the 1st time.

Experian these 2 accounts on my credit report named as " XXXX '' are still on my report. 
As quoted in my prior complaint the laws and regulations are clearly stated as follows : 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. Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. 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 The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of a direct dispute that I filed a few months ago with experian directly, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. 

Furthermore in closing its important to know that I have been trying to get this resolved for several months and according to the laws and regulations, this proper information must be provided to the consumer within 30 days in which the 30 days has far been exceeded. 

Experian I'm making a final formal request to please adhere to the laws and let 's get this resolved and remove and permanently delete the 2 accounts listed as " XXXX '' from my credit report. Thank you in advance for your cooperation.

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