Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
State: TX
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:
Experian in your response to my complaint via the CFPB portal you state that you contacted the data furnisher to verify the accuracy of the information for which I disagree and the data furnisher responded and verified the accuracy of the disputed information. I am now challenging your right to report! I demand to know, which I have the legal right, who you verified this erroneous information with. I will need this persons, name, telephone number, and Title. I know that you did not reach out to anyone simply because you use an XXXX system which I have repeatedly advised you that I DO NOT CONSENT TO. The reason I know that you did not verify the alleged debt because the same companies you reached out to ; XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX could not verify with XXXX  that this debt was indeed verifiable, so both companies were DELETED. Section 609 states that following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the Consumer : ( 1 ) All information in the consumer 's file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.

If you are denying me as a consumer the information that Section 609 states you are required BY LAW to provide to me once requested, I then have the right to sue Experian.

Just in case Experian has forgotten Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure Section which is to provide for the protection of consumers against false and erroneous reporting.

This section of the FCRA places the burden upon the Credit Bureaus and the creditor to prove an account is yours.

To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Without documentation, the Credit Bureaus have NO RIGHT to list your personal financial information on your credit report.

The Credit Bureaus are required by law to verify and validate every single account on a consumers credit report.

I would like to have all of this information and if you can not provide this information to me, then you must delete this information. XXXX has done their due diligence and deleted both of these accounts for which I dispute. Simply because, the information can not be verified legally. How is it that XXXX XXXX and XXXX XXXX XXXX XXXX will verify with you, but will not verify the accounts as accurate with XXXX 

XXXX XXXXXXXX XXXX XXXX Acct # XXXX and XXXX XXXX Acct # XXXX have not been verified as accurate. 
Also another error that Experian has allowed, is once I provided documented proof that this accounts were not accurate, Experian allowed XXXX XXXX XXXX XXXX to increase the allege debt from {$410.00} to {$1200.00}. PLEASE PROVIDE DOCUMENTATION THAT THERE IS A CONTRACT SHOWING I WAS EVER LOANED THAT {$1200.00}. I KNOW THAT CONTRACT DOES NOT EXIST HOWEVER EXPERIAN IS ALLOWING FALSE REPORTING FOR PROFIT. This is my last and final attempt. I will sue Experian for false reporting and I will win simply because of Experians failure to accurately verify and report. I have attached yet another document of proof that these items are not accurate and must be removed from my credit report. I have attached a copy of my XXXX report showing that both XXXX XXXXXXXX XXXX XXXX Acct # XXXX and XXXX XXXX Acct # XXXX have both been deleted. Please follow suite or I will sue Experian.

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