Consumer complaint received 2017-05-23
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:
This is where I am today with  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , Experian  XXXX   XXXX  very frustrated. I called and told them this. I did not authorized these accounts. Same accounts have been unverified and there is NO Contract.     I also said dont know what else to do. When the representatives said to just keep calling the credit companies. So, I se nt 609 letter s to dispute felt a since of no worries but have s ent two rounds of 609  letters. Ready to send a third round of letters.     I have called these companies ;  XXXX   XXXX   XXXX  - {$ 300.00},  XXXX   XXXX  {$400.00},   XXXX   XXXX   XXXX   XXXX  - {$310.00} and   XXXX   XXXX  - {$300.00}.  Reporting closed Collection  accounts but currently open and over credit limit by {$1.00}, derogatory remarks, late pay and as Charge Offs/Bad Debt. All negatively reporting.     It was stated in their responses to  my 2 disput e letters that you have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. To show my signatures on Contracts. The fact they have ignored my request to send me copies of the documents that was used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said would happen.      Failure to delete and remove the disputed accounts that they cant verify after two written requests is also telling me the evidence of their willful disregard of Federal Law. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and a Court will order you to delete them.      You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation  of Federal Law and   evidence of your willful disregard of the law.     Please be advised that under Se ction 611 ( 5 ) ( A ) o f the FCRA you are required to promptly DELETE all information which can not be verified. I am requesting that they do this immediately.     The law is very clear as to the civil liability and the remedy available to  me ( Section 616 & 617 ) if   you fail to comply w ith Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     This is my complaint and demands.

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