Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, Experian as violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law  dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest a affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. 

Also, section 605-B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. 

Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. 


I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts are not delete immediately from my credit profile. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX in the amount {$19000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$200.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$200.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$250.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$500.00}

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