Consumer complaint received 2015-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have challenged the correctness and truthfulness of a judgment on my credit report several times starting in XXXX 2014 and asked Experian to verify it to be correct to which Experian tells me they have veriiedy as correct ( without doing the verification ) or reflects my request as " suspicious '', or just stalls and tries to explain their process. Experian recommended that I follow up with the Clerk of Courts with any questions about the disputed judgment. I did and could n't verify its correctness. The Clerk of Courts told me that they do not report XXXX verify any information with the XXXX CRAs at any time. I followed up with Experian with a letter telling them that the Clerk of Courts did n't verify that information and questioned their integrity to which I received a letter where they try to explain the process they follow which is in direct violation of the Fair Credit Reporting Act ( FCRA ). They [ Experian ] wrote, " We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed ... '' My issues with this are as follows. 
1. The FCRA is extremely clear about WHO is required to verify the information published on a consumer 's credit report and it is n't a XXXX party vendor that has NO first-hand knowledge of the item. XXXX 's XXXX XXXX XXXX XXXX. Defines " Verification '' as " Confirmation of the corretness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. They ( Experian ) have to have documents that support their claim that they verified the accuracy of the disputed item. It 's the business record ( the documents ) that consitutes the accuracy, not the testimony of a XXXX party witness referring to the documents. In other words, they EXPERIAN are willfully disregarding the law and illegally reporting hearsay on my credit report. 
2. FCRA section 611 Procedure in case of disputed accuracy says that if they [ Experian ] can not verify - they [ Experian ] SHALL delete that item of information from the file. 

They have not verified the information as correct according to the law and since this dispute is well over 30 days, Experian SHALL delete that item from my credit report forthwith. 

The Federal Trade Commission has recognized that the CRAs are publishing inaccurate information on consumer 's credit reports. Please refer to the attached opinion letter written by an attorney from the FTC Re : Section 603 ( d ) & ( f ) of the Fair Credit Reporting Act. Endnote # 1 - " it is important for the consumer to know that inaccurate information IS being disseminated by a CRA ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation