Consumer complaint received 2018-06-02
Company: Experian Information Solutions Inc.
State: VA
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:
This account has been disputed several times to XXXX, Experian, and XXXX-XXXX  and the outcome is always VERIFIED as ACCURATE. The pages attached are from XXXX and Experian is also reporting identical data. 
XXXX XXXX  XXXX sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX  ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from XXXX XXXX ; a similar affidavit was mailed to Experian with a notary of the public page completed in blue ink. Both XXXX and Experian failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and Proof-of-Verification. The credit bureaus ( XXXX XXXX and Experian ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX V XXXX  ( XXXX ). I OBJECT to the use of XXXX as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to XXXX to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for XXXX to notify me of their refusal to comply, nothing was sent to me by XXXX indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by XXXX and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, XXXX has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. Experian and XXXX   have been notified to block this account under FCRA Section 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