Consumer complaint received 2017-10-22
Company: Experian Information Solutions Inc.
State: PA
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:
Someone needs to something to assist me because I know for a fact that these accounts were not legally verified and no one is helping me. It 's incredible that these people care more about money than they do about making sure that they do their job! How many times do they have to be sued and now many times do consumers have to complain about this type of abuse before someone actually does something to enforce the law?! XXXX states that when I notify them that there 's an error, they must conduct an investigation. When they " verify '' it and provide no proof, they must reinvestigate and go beyond the original source of info XXXX the creditor ) to ensure that it 's reporting accurately. That means they MUST conduct an independent investigation. They are required to have the paperwork that substantiates these accounts. Section XXXX protects me against false reporting by the bureaus and they must produce the paperwork that was signed by me when the account XXXX XXXX ) was opened. XXXX states in XXXX v XXXX XXXX, that the burden of proof is on them and not me ( see lawsuit attached ). 

Where 's their proof? Where 's the proof that they did n't just parrot the creditors? This is absolute negligence. 

Here 's what was on my dispute letter XXXX see attached ) : I do n't know why the government allows you to keep this stuff on my credit report without providing an actual investigation and providing the actual documentation that belongs to these accounts. You can not, by law, just report whatever you 're given! You are not allowed to state that these have been verified without providing the proof that substantiates your claim. You did not, at any time, legally verify these accounts as required under the FCRA. Where 's your proof that you ever did an investigation? What procedures were used? How is it that I did n't receive any response whatsoever from these companies and yet, miraculously they respond to you each time! How can that be when I 've called to find out and they 've told me that you have n't contacted them at all? That means that these were never verified at all. The ONLY proof that you can produce would be the paperwork with my signature. Other than that, they have not been verified. In addition, I already told you that I was n't 90 days late and you did n't send me anything at all to substantiate anything. If you do n't have the physical proof - which can only be this company 's bank statement proving when my payments were accepted into their account - then you 're just parroting what they 're telling you and that 's not allowed by law! Considering that you 've done nothing to ensure that these are reporting accurate, you are must immediately DELETE these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I will NOT accept a response saying that they did an " investigation '' and that my name, SSN and address ( or DOB ) was a match. That is not legal proof and my info being on a screen in front of someone does not meet the requirements of the FCRA

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