Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
Hello- I was involved in the XXXX breach ... all of a sudden, I have several inquiries on my account ( see below ) that do not belong to me. I also have 2 accounts with XXXX XXXX XXXX that were NEVER paid late now showing 30 and 90 days late. This needs to be corrected and showing no late payments as it did before. I also have several derogatory accounts ( see below ) that are listed on my report where Experian has denied the right to reinvestigate my concerns. I have reached out to this company to take care of these issues but they have refused. It was not my fault that my information was exploited and Im not happy about whats going on. My credit was very good with no derogatory information and now these items have appeared on my report. On top of that, theres an academic loan with XXXX XXXX XXXX for over {$400000.00} that does NOT belong to me. XXXX and XXXX have removed these derogatory items from my report but Experian refuses to do so. They claim that they have already reinvestigated after having my dispute for 10 or less days. To me that 's quick to investigate anything. Under FCRA, I have a right to have these unverified items removed.Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 

As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 
I want these items to be removed within 5 days upon receipt of my complaint or I will be seeking legal advice. 
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 5 calendar days. 

Derogatory info : XXXX XXXX ( unverified ) XXXX XXXX ( No contract/unverified ) XXXX/XXXX ( unverified ; no contract ) XXXX/XXXX XXXX ( unverified ; no contract ) XXXX XXXX XXXX ( unverified-I never attended this school ) XXXX ( unverified ; no contract ) XXXX ( unverified ; no contract ) XXXX XXXX ( unverified ; no contract ) XXXX XXXX XXXX ( unverified ; no contract ) XXXX XXXX XXXX ( unverified ; no contract ) XXXX XXXX XXXX XXXX ( unverified ) XXXX ( unverified ; no contract ) XXXX/XXXX ( unverified ; no contract ) Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing multiple times ( Valid dates for credit:XX/XX/XXXX ; XX/XX/XXXX ) **Also, the only name that should be on my report is XXXX XXXX. Also, the only address that I have is : XXXX XXXX XXXX XXXX XXXX, Fl. XXXX This is the only address that I have lived on. Anything else is fraudulent. Please make these corrections as well. My name should be corrected as well.

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