Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: TX
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 This is in response to your recent claim thaXXXX XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX Acct # XXXX has verified that the accounts they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation that I am now requesting. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of the documents that you are supposed to have filed, bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I DO NOT CONSENT TO XXXX  VERIFICATION. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filing a lawsuit against Experian should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of receipt of this complaint may result in a small claims action against Experian, seeking {$XXXX} per violation for. 
1. Defamation 2. Negligent Enablement of identity fraud.
3. Violation of the Fair Credit Reporting Act.
Also in response to the addresses that you have on file. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Should also be removed for they are not deliverable addresses to me. 
Phone numbers that need to be removed are : XXXX XXXX XXXX The only address that should be on file for me is : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
The name varations that need to be deleted are : XXXX XXXX XXXX XXXX XXXX My name should be listed as XXXX XXXX XXXX. 
Furthermore you have no done your due diligence because you have sent me a copy of my reports asking me to contact the creditor. If you are holding erroneous information that does not represent my true credit history, it is your duty per the law, to validate and delete erroneous information. According to the law, the burden of proof is on the credit bureau and not the furnisher of the information and most importantly NOT THE CONSUMER. Therefore as stated previously, if you can not validate the debt, the entry must be deleted. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. I have asked you since XXXX XXXX and Experian has dragged their feet from XXXX XXXX until XXXX XXXX, XXXX to provide the information requested. If Experian has validated these accounts per the FCRA, all the information I have requested should follow. A simple we have contacted the data furnisher is not acceptable. The records in your files under my SSN should be correct and have my signature. Sending me copies of my credit report advising me to contact the data furnisher shows that Experian has not done their due diligence as XXXX and XXXX have. 
I have included proof that both XXXX and XXXX have deleted these two erroneous accounts. Experian needs to do the same. When deleted I request that this information be blocked and I require confirmation that the accounts have indeed been blocked. 
I have also included 2 front pages of my Experian Credit Report that was sent to me recently telling me to contact the creditor myself - further solidifying that Experian did not reinvestigate these two accounts because they are telling me to do it. That is now what a investigation or reinvestigation is. 
XXXX re-investigated these erroneous accounts and deleted them. 
XXXX re-investigated these erroneous accounts and deleted them. 
Experian did not reinvestigate these erroneous accounts.

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