Consumer complaint received 2018-03-04
Company: Experian Information Solutions Inc.
State: NY
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:
Attached to this complaint is all the evidence and records proving that Experian is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof. 

An investigation needs to be done regarding Experians abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Experian, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by Experian. 

XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 

I don't ever recall paying any of these accounts late/after the due date. 

Attached you will find credit reports pulled by me from Experian on two different dates. The late pay information for the same accounts are different between the two dates. This proves that Experian is reporting the accounts inaccurately. 

Experian is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Experian 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Experian to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Experian who verified the dispute with XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Experian can not send me these simple items, then I demand the accounts be updated to PAID/NEVER LATE. 
I do not consent to e-oscar as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

Experian must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. E-Oscar can not hold in court as per the noted court cases. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This e-oscar model of verification must stop because of the many fraudulent and inaccurate accounts it may create for consumer credit reports! 

At this time, Experian does not need to falsely verify these accounts again. The only acceptable thing they need to do now is to update them to PAID/NEVER LATE immediately! 

I demand to see Experian 's method of verification and the documents they relied upon to verify these accounts at the time of my dispute regarding these particular accounts as per the FCRA.

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