Consumer complaint received 2017-08-24
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:
THIS IS AN ONGOING COMPLAINT!!! 
A collection/debt appeared on my Experian Credit report, XXXX XXXX XXXX it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
TODAY I RECEIVED A SIMPLE RESULT LETTER STATING THAT THE INFORMATION HAD BEEN UPDATED, BUT NO COPIES OF THE DOCUMENTS THAT EXPERIAN HAS IN MY FILE HAVE BEEN SENT TO ME PER Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
SO ASKING CFPB TO PLEASE ENFORCE THE LAW AND HAVE EXPERIAN REMOVE THIS FROM MY ACCOUNT IMMEDIATELY AS THEY ARE IN VIOLATION OF SAID LAW. ****THERE IS NO CONTRACT FOR THIS ALLEGED ACCOUNT/DEBT BETWEEN XXXX XXXX AND MYSELF*** I HAVE ATTACHED THE RESULTS PAGES, AND AS YOU CAN SEE EXPERIAN HAS FAILED TO INCLUDE ANY DOCUMENTATION THAT EXPERIAN HAS IN THEIR POSSESSION,, I HAVE REQUESTED TO BE SENT COPIES OF DOCUMENTATION THAT EXPERIAN HAS IN THEIR FILES TO SHOW ANY ALLEGED CONTRACT THAT IS ALLEGEDLY BETWEEN XXXX XXXX AND MYSELF. EXPERIAN OR ANYONE ELSE CAN NOT SHOW THIS, BECAUSE THERE IS CON EXISTING CONTRACT AND THERE HAS NEVER BEEN SAID CONTRACT. SO I ASKED, HOW DID EXPERIAN VERIFY THIS INFORMATION AND HOW DOES THIS ALLEGEDLY VERIFIED INFORMATION MEET THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT IF IN FACT THERE IS NO CONTRACT AND/OR DOCUMENTATION TO SUPPORT THIS FALSIFIED CLAIM. IT HAS BEEN WELL PAST 30 DAYS FROM MY ORIGINAL REQUEST FOR EXPERIAN TO PRODUCE COPIES IN THEIR DIRECT POSSESSION TO SUPPORT THE " VERIFIED '' CLAIM, YET NO SUCH COPIES AND/OR DOCUMENTS HAVE BEEN SENT TO ME OR CFPB OR THE BBB.

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 explanation