Consumer complaint received 2017-10-24
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:
Experian this is in response to your recent credit report that I received today on XX/XX/XXXX claiming that XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX Acct # XXXX have been verified and that these accounts that you 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 PER LAW, 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 are 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 ( XXXX 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 {$1000.00} 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, TX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Should also be removed for they are not deliverable addresses to me. The only address that should be on file for me is : XXXX XXXX XXXX XXXX XXXX, TX XXXX. Also the name variations need to be removed from my credit report. My name should only be listed as XXXX XXXX XXXX. XXXX XXXX Name Identification number XXXX needs to be removed. XXXX XXXX XXXX Name Identification number XXXX needs to be removed. XXXX XXXX XXXX Name Identification number XXXX needs to be removed. 
Furthermore you have not done your due diligencebecause you have sent me a copy credit report for the 3rd time with NO CHANGE. Experian has not sent me the original documentation that you are supposed to maintain in your files validating that the account is mine and that you have the right to report per Section ( 609 ) of the Fair Credit Reporting Act. 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 XX/XX/XXXX and Experian has dragged their feet from XX/XX/XXXX until XX/XX/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 of the same accounts shows that Experian has not done their due diligence. When deleted I request that this information be blocked and I require confirmation that the accounts have indeed been blocked. Experian has not re-investigated. Experian continues to send me the same credit report with each dispute. I am formally challenging your right to report and am requesting Experian to positively prove these accounts are mine, the creditor must provide the Credit Bureau a copy of the original creditors documentation. The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Without documentation, the Credit Bureaus have NO RIGHT to list your personal financial information on your credit report. 
The Credit Bureaus are required by law to verify and validate every single account on a consumers credit report.

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