Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 I reached out to XXXX  because of some information they claim on my report is mine. I asked them to please verify this information because it could be Fraudulent activity. They have not done so and the letters and communication they do give me are not proof. They are not adhering to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), where they are required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I asked to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts I had listed in the letter. Their failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I provided them. ( I also have sent similar letters before hand asking them to verify these accounts but they never have done so. These letters date back further than this this particular letter- but still nothing from their end that is close to cooperation ) On XX/XX/2020 I reached out to XXXX  because of some information they claim on my report is mine. I asked them to please verify this information because it could be Fraudulent activity. They have not done so and the letters and communication they do give me are not proof. They are not adhering to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), where they are required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I asked to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts I had listed in the letter. Their failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I provided them. ( I also have sent similar letters before hand asking them to verify these accounts but they never have done so. These letters date back further than this this particular letter- but still nothing from their end that is close to cooperation ) On XX/XX/2020 I reached out to Experian because of some information they claim on my report is mine. I asked them to please verify this information because it could be Fraudulent activity. They have not done so and the letters and communication they do give me are not proof. They are not adhering to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), where they are required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I asked to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts I had listed in the letter. Their failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I provided them. ( I also have sent similar letters before hand asking them to verify these accounts but they never have done so. These letters date back further than this this particular letter- but still nothing from their end that is close to cooperation )

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