Consumer complaint received 2017-08-21
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:
I disputed a collection with XXXX XXXX XXXX with Experian, XXXX and XXXX. All bureaus but Experian has deleted the false and unvalidated reporting from my credit report but EXPERIAN. Experian has not complied with the State Attorney General Settlement Agreement and 609 letters. Please note : 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 :  Experian has refused and I have the right to demand that they disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that they are reporting in my credit report. I do n't understand how they were able to verify when XXXX XXXX has not to this date responded to any of my validation letters sent to them on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, requesting validation of the amount of {$700.00}. that they are reporting to Experian that they say I owe. All letter were sent Certified mail and they received all three and copies were sent to Experian. Experian, Please do n't respond to my request by saying that the account has been verified. HOW? Choice has not verified with me and by law you should have deleted in XXXX like XXXX and XXXX. Please Send me copies of the documents that you have in your files or tha that they sent you that were used to verify the debt. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing the inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have been denied credit because of it. I 've requested the signed document form XXXX XXXX stating I owe them amongst other information and they refuse to send. According Section 15 U.S. Code 1681d -  Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. I have requested disclosure from experian not only on XXXX XXXX but several times before but with no disclosure of how and no validation and as of XXXX XXXX, you claimed it was verified once again but I 'm still awaiting validation with my signature from XXXX XXXX. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation. certified letters 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 non-monetary relief