Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom it may concern, I am concerned about the validity and accuracy of the recent investigation of a account that is reporting on my credit report. Last month I requested Experian and XXXX to investigate the account, because I felt the item was not being reported legally. This request has been made multiple times via certified mail. A couple of days ago I received a letter stating that the investigation was complete and verified. 

As I am sure that you are aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that they cant just verify my account by telling me it is verified. Nor can they verify my account by telling me they have contacted the creditor and the account I disputed is Verified. 

I requested that they send me their method of verification of the inaccurate account they claim to have verified. I requested that they send me Physical documents they have in their files that they used to verify the disputed account. 
as required by FCRA - Who did they speak with? 
- What was the date? 
-How long was the conversation? 
- What was their position? 
- What number did they call? 
- What is the name of their employee that spoke directly to the creditor? 
- What is the position of the employee that spoke to the creditor? 
Enclosed with their response to the above questions, I respectfully requested a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a formal letter response. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that have recorded and retained in their file at the time of the request concerning the accounts that they are reporting in my credit report. 

As per Attorney XXXX XXXX XXXX opinion letter written for the FTC, it should be known that printout of a bill or itemized document doesnt constitute verification. I requested them to provide proper documentation bearing my signature showing that I have a legal binding contractual obligation to pay this alleged account. 

Experian and XXXX has not provided me with ANY information neither has the creditor, which means that it has NOT been verified or they can not verify the account and under the FCRA they are required to promptly delete all information which is inaccurate, incomplete, or can not be verified. 

In accordance with the fair Credit Reporting Act 15 U.S.C Experian is in violation of 15 U.S.C. 1681. & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergence Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692 section 805 A states a debt collector may not communicate with a consumer in connection with a collection of any debt at any unusual time or place or time or place known or which should be known to be inconvenient to the consumer The collection is account number XXXX The collection account name XXXX XXXX Amount {$580.00} This account that they sent back as verified is entirely inaccurate, incomplete and represents a very serious error in their reporting. I would like to make you aware of a few errors. The opening date of the collection account is reflected on XXXX as XX/XX/XXXX, On Experian its reflecting XX/XX/XXXX. The date last active is reflecting on XXXX is XX/XX/XXXX and on Experian its reflecting XX/XX/XXXX, How is this possible coming from ONE source. There is no possible way that they verified this account as they have falsely claimed. 

I have pointed out the Inconsistencies and violations, I desire that this account is deleted NOT UPDATED. Updating the terms is a admission of guilt and a direct violation of my rights of a fair investigation .Iam not sure how they can state this was verified with these inconsistencies in the reporting.

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