Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: GA
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 are the three complaints submitted to each credit reporting agencies. The complaint was filed on XX/XX/XXXX. This is not the first time I have provided the same request to each agency. Each agency in the current request provided the same response about the requested information " has been verified '', with not documentation. In one case the company change its name on documentation from XXXX to XXXX XXXX XXXX so how is that verified? It gives justification to my request of requesting the original contract with which ever company it is at this point because I am even more confused. The even bigger issue is with Experian. When I sent the same request to the three agencies in XXXX, Experian returned my letter requesting that I send a copy of my ID and Social security card. Here is the catch, the original letter included both ( ID and SS card ) and was notarized by XXXX XXXX XXXX. Since I was XXXX XXXX, my Id ( Even if notarized ) was too dark for Experian to process my request. The notary did not think it was too dark? Why would Experian think my drivers license was to dark ( Even if notarized by XXXX XXXX XXXX This tells me these companies, specifically Experian are doing discriminatory practices and should be investigate. I would like for all complaints to be made public. I am requesting others who have disputed with the three companies and have had their letters returned with Id and notarized to please respond. I am requesting the same documentation which the companies have been given almost 90 days to respond but have provided nothing but keep the information on my credit report for discriminatory reason. I have seen nothing verified or documented but this phrase is used in all the responses. I will be filing with the FTC in order to get a formal investigation of the three agencies for discriminatory practices. People of XXXX are being discrimination by these companies so we can not purchase homes or own a business. Anyone is able to put anything on these report without no contract verification no contact by the person putting the information on the report. 

YOUR COMPLAINT I am filing this complaint against Experian Credit. I have requested information from Experian to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that Experian request the original contract and any move-XXXX Complaint Detail https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of National credit system, representing XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and XXXX XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! Experian needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for Fair Collections & Out Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. The account XXXX XXXX XXXX Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have Experian send these companies my request for documentation to prevent fraud on my report. I am sending this request through the CFB to track the response from Experian for these requests. If this information is not provided by Experian with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. Attached are the accounts from my report in which I am requesting the original documentation. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX

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