Consumer complaint received 2018-06-01
Company: Experian Information Solutions Inc.
State: MI
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:
I have filed a complaint with Consumer Financial Protection Bureau on Experian. The Complaint number is XXXX in XX/XX/XXXX and complaint number XXXX XX/XX/XXXX. Experian did not remove the negative collections that was put on my credit report from this account State Of Michigan # XXXX ... ... ( Exhibit B. Experian credit report ). This is the sixth time I have contacted this company and they have still failed to delete the disputed account Experian could not verify. After this letter, be advised that I intend to pursue litigation for the damages Experian has brought to me and my family. 
Based off the fact that Experian has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The 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. Thats all Experian has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I just want Experian to remember when we go to litigation and Experian is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. 

Here is more proof that this account was never verified like Experian said they did. Exhibit B. Credit report shows that the account is {$220.00} in collections. Now look at Exhibit A. Michigan Child support Enforcement from XX/XX/XXXX through XX/XX/XXXX. Where do see the {$220.00}? Also on page two of Exhibit A. Michigan Child support Enforcement you will see on XX/XX/XXXX through XX/XX/XXXX that the account says {$120.00} three times. The reason why is the account was frozen because I had custody of my daughter and I filed a change in child support where my daughters mother had to pay me. Looked at Exhibit D. Court cases. XX/XX/XXXX Motion for Support filed. Now look at Exhibit C. Court Order XX/XX/XXXX. The Judge signed the documents showing that my daughters mother has to pay me child support. It even says XXXX XXXXXXXX XXXX child support obligation in this case be abated commencing XX/XX/XXXX. So now I want Experian to remove the account or the negative collection account that was placed on there by the State of Michigan   negligence. I am also submitting all my documents for review

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