Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: AR
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:
Experian did not investigate these inaccurate unknown collections below 1. Validate Account XXXX XXXX XXXX   Account Number : XXXX Please Validate Account Under FCRA Section 609 which requires My Original Signed Contract. 

2. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please Validate Account Under FCRA Section 609 which requires My Original Signed Contract. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account Ive requested additional information on the official investigation procedures. I asked specifically for a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. FCRA Act Section 611, gives me the right to request an explanation of the verification method used by the CRA. If either party has the records. I can request a copy of the FACTA act, SEC 312 ( b ) and. I exercise my right under FRCA, Section 616.  Furthermore, because of my initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I immediately demand the permanent removal of this item from my credit report. Here where my specific questions requesting an explanation on how you conducted your investigation below! 
1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What were certified documents reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If yes to above : a.Who did you speak to? b.On what date? 
c.How long was the conversation? d.What was their position? e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? g.What is the position of the employee of your company that spoke directly to the above party? h.How long has that employee been employed by your company? i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party? 
8. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9. Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease Instead, Experian has verified this collection by my birthdate, name and social only on these dates each time. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

I'm demanding to have this matter investigated According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. And to I exercise my right under FRCA, Section 616. FCRA Act Section 611, gives me the right to request an explanation of the verification method used by the CRA. I can request a copy of the FACTA act, SEC 312 ( b ) and. Im requesting additional information on the official investigation procedures. I asked specifically for a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, Furthermore, because of my initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response.

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