Consumer complaint received 2015-07-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, THIS IS CONCERNING NEW INFORMATION THAT IS BEING REPORTED ON MY CREDIT REPORT! PLEASE FORWARD MY COMPLAINT TO THE COMPANY. 
I HAVE PRINTED OFF OF THE CFPB WEBSITE THE COMPANYS REPONSE, WHICH SHOWS THAT EXPERAIN IS CONTINUING TO BREAK THE LAW BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT, I WILL NOW ONLY ALLOW EXPERIAN 3 DAYS TO REMOVE THESE ALLEGED ACCOUNTS, AS I HAVE LEGALLY PROVIDED THEM WITH THE INFORMATION THAT IS INACCURATE! 

This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the illegally displayed accounts on my credit file, be VALIDATION, and if VALIDATION can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian has now legally exceeded the time frame allowed by law ). 
EXPERAIN HAS WRITTEN ME SEVERAL LETTERS STATING THAT THEY HAVE LEGALLY VERIFIED THE ACCOUNTS LISTED IN MY DISPUTE. I WOULD LIKE TO ASK EXPERIAN HOW IS THIS POSSIBLE WHEN I HAVE PROVIDED THEM WITH A COPY OF MY GREEN CERTIFIED MAILING RECIEPTS WITH A COPY OF THE LETTERS IN WHICH I HAVE PERSONALLY WRITTEN EACH AND EVERY CREDITOR ON MY ACCOUNT. I AM NOW DEMANDING THAT EXPERIAN PROVIDE ME WITH A LEGAL COPY OF THE INFORMATION THAT THESE ALLEGED CREDITORS HAVE PROVIDED TO THEM ON MY BEHALF. THIS IS A CLEAR CASE OF UNVERIFIED DEBT HERE AND I AM NOW DEMANDING THAT EXPERIAN REMOVE THESE ALLEGED UNVERIFIED ITEMS FROM MY CREDIT REPORT. I HAVE A LETTER THAT CAME FROM A CLASS ACTION LAWSUIT IN WHICH I WAS INCLUDED BECAUSE EXPERAIN REFUSED TO HANDLE MY DISPUTES ONCE BEFORE. I WOULD NOW LIKE TO MAKE EXPERAIN AWARE THAT I HAVE NOT GIVEN UP ANY OF MY RIGHTS TO LEGALLY SUE THEM IN A COURT OF LAW FOR A DIRECT VIOLATION OF THE FCRA LAWS, IN THE LETTER THAT WAS SENT TO ME STATED THAT THE DISPUTED ITEMS IN WHICH I HAD ORIGINALLY DISPUTED WITH EXPERIAN WOULD NOW BE HANDLED BY A DIFFERENT DEPARTMENT. I WOULD NOW LIKE FOR THIS COMPLAINT TO BE FORWARDED TO THAT SPECIFIC DEPARTMENT. I HAVE SINCE HIRED MY FAIR CREDIT REPORTING ACT ATTORNEY IN REGARD TO THIS ON GOING ISSUE THAT I AM HAVING WITH EXPERIAN, I HAVE WRITTEN LETTERS TO EXPERIAN FOR OVER 5 AND A HALF YEARS IN REGARDS TO THESE ISSUSE, I HAVE PROVIDED THEM WITH PROOF THAT THESE ALLEGED CREDITORS HAVE FAILED TO LEGALLY RESPOND TO MY COMPLAINTS. 
HOW DID EXPERAIN LEGALLY VALIDATE THESE ACCOUNTS? I HAVE THE LEGALL RIGHT TO OBTAIN A COPY OF HOW MY DISPUTE WAS HANDLED AND I AM NOW DEMANDING THAT IT BE PROVIDED TO ME IN REGARDS TO MY DISPUTES, BECAUSE THE USBKPT HAS WRITTEN TO ME SEVERAL TIMES, WHICH I HAVE PROVIDE TO EXPERAIN STATING THAT THEY DO NOT CORRESPOND WITH CREDIT REPORTING AGENCIES! SO ONCE AGAIN HOW DID EXPERIAN LEGALLYVALIDATE THIS INFORMATION? I HAVE WRITTEN TO THE OTHER COMPANIES THAT ARE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT AND THEY HAVE LEGALLY FAILED TO RESPOND, AND YOU THE CFPB SHOULD HAVE A RECORD OF THAT BECAUSE I HAVE FILED A COMPLAINT WITH YOU AGAINST THEM, AND THEY HAVE STATED TO ME IN A LEGAL WRITTEN RESPONSE THAT THEY HAVE DISCONTINUED ANY COLLECTION ACTIVITY, AND HAVE WRITTEN TO THE CREDIT BUREAUS TO REMOVE THE ACCOUNTS, YET EXPERIAN CONTINUES TO VIOLATE THE LAW AND CONTINUES TO REPORT IT. I AM NOW GIVING EXPERAIN 3 DAYS TO REMOVE THIS INVALIDATED INFORMATION FROM MY CREDIT REPORT OR I AM GOING TO FILE MY LAWSUIT AGAINST THEM HERE IN THE STATE OF COLORADO. I HAVE WAITED LONG ENOUGH FOR THEM TO CORRECT THESE ISSUES. MY COMPLAINTS AGAINST THE OTHER ALLEGED CREDITORS ARE AVAILABLE THROUGH THE CFPB. 
I DO NOT HAVE ANY ACCOUNTS WITH1 ) XXXX SEE ENCLOSED! 
2 ) XXXX, COMPANY SENT LETTER TO EXPERIAN TO REMOVE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief