Consumer complaint received 2022-10-08
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: Investigation took more than 30 days

Complaint:
Per, XXXX, Experian, and XXXX stated that all three credit bureaus would need 60 days in order to complete their investigations. Per the Fair Credit Reporting Act, Consumer reporting agencies must correct or DELETE inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate, by providing tangible documents such as my signatures, and the list of VALIDATION requested documents. If not, the accounts must be DELETED from all 3 credit bureaus. 

As I stated in each complaint this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that all three credit bureaus ' offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers which were provided in each individual dispute. 

Please provide me with : 1. What is the money you say I owe is for. 
2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state of Georgia.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Experian, XXXX ; XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

I have not been provided the above-requested, " VALIDATION. '' Per the Fair Credit Reporting ACT. 

Per the Fair Credit Reporting Act, I may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, I may be able to sue in state or federal court. 

Per the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate within the statute of limitation of 30 days from the time the dispute was received. Anything that's over 30 days must be DELETED from my credit file. If the disputes are not DELETED during the 30 days, I will see LEGAL proceedings per the Fair Credit Reporting Act.

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