Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: KS
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: Investigation took more than 30 days

Complaint:
I am writing in response to my previous request under complaint XXXX. You did not respond to that complaint because of address information. Please note, I have moved. My new address is XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX. 

Your full name including middle initial. XXXX XXXX XXXX Social Security number XXXX ( attached copy of card ) Complete addresses for the past two years : Current : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Previous XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX Previous : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX  XXXX Date of birth XX/XX/XXXX Please see passport ID and card. 
Please see insurance bill dated XX/XX/XXXX You are in violation of 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( and Section 611 ( 5 ) ( A ). Delete these items or I will file a lawsuit against you. This is my original complaint below. On XX/XX/XXXX I sent a verification letter to Experian requesting verification on three accounts. ( see attached letter ). Requesting Verifiable Proof USPS tacking XXXX XXXX XXXX XXXX XXXX I have attached a photo of the envelope with tracking as well as the USPS tracking that shows it was delivered at XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, Experian wrote me back saying that the accounts were verified, but delivered no such proof. On XX/XX/XXXX I wrote back ( tracking XXXX which was delivered on XX/XX/XXXX at XXXX ) Your report states : This item was updated from our processing of your dispute in XXXX XXXX. Please be advised that updating is not the same as verifiable proof, and you failed to provide any such verifiable proof. 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 you are required to promptly DELETE all information which can not be verified. Experian had 15 days to respond. I did not receive a response until XX/XX/XXXX almost one month later. This is cearly over the 15 day verification limit. Please have Experian delete these accounts. On XX/XX/XXXX I sent a FCRA 611 ( a ) regarding USBK Court XXXX  XXXX reference XXXX. Tracking number XXXX XXXX XXXX XXXX XXXX that was delivered XX/XX/XXXX. On XX/XX/XXXX, I finally received a response where Experian says this was verified but does not say how AND THEY HAVE EXCEEDED THE 15 DAY TIME LIMIT AND THIS MUST BE PERMANATLY REMOVED. On XX/XX/XXXX. I sent a verification letter to experian XXXX XXXX XXXX XXXX XXXX under FCRA 611 ( a ) ( 7 ) to verify USBK Court XXXX  XXXX reference XXXX that was received on XX/XX/XXXX. As of XX/XX/XXXX, I have not heard about this, and Experian has exceeded the 15 days THIS MUST BE PERMANATLY DELETED.

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