Consumer complaint received 2016-03-08
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX, 2016 I mailed a letter to Experian to dispute a negative transaction Experian placed on my credit report from a company that has never contacted me and whom I know nothing about. 
On, XXXX XXXX, 2016 I checked the USPS.gov web site to see if my mail to Experian had been delivered to Experian. The tracking report, attached, says it was not delivered and is being mailed back to me b/c it is the wrong address. 
I learned of Experian 's address from a Notice of Adverse Action dated XXXX XXXX, 2016 that I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, MD XXXX. ( attached ) Attached is a USPS tracking report from the USPS web site about the letter with the tracking number of XXXX XXXX XXXX XXXX XXXX XXXX. 
Here 's what I hope you can help me to accomplish. 
I 'd like the correct mailing address of XXXX, Experian and XXXX so that I may properly file a dispute letter with each. ( I do n't want to waste my once annual free credit report. ) Now that the Experian letter is being returned to me as undeliverable even though I used the Experian address on the attached Notice of Adverse Action letter, I 'd like a confirmation from the CFPB of all XXXX of the credit bureau 's addresses. Thank you. 
I 'd like Experian to respond to each of the requests on my XXXX XXXX, letter. ( attached ) I 'd like Experian to remove everything that is adverse to my credit report that is more than 7 years old to be removed from my credit report. 
And going forward I 'd like all of the credit bureaus to require every company that wants to report negative information about a consumer to provide all of the information listed below to the credit bureau to be posted on the consumer 's account. If the company requesting to place negative information on a consumer 's account does not provide all of the information to the credit bureau, then the credit bureau must not place the negative information on the consumer 's account or the credit bureau must remove the information from the consumer 's account immediately. ( A debt collector can always file the negative information the next day or the next or the next - once it satisfies all of the data requirements. ) It 's shocking to me that credit bureaus place adverse negative action on consumer 's credit reports from companies that just provide a name like XXXX XXXX which essentially an anonymous source. 

Data credit bureaus must have to place a negative report on a consumer 's credit report. 
1. A uniquely identifiable transaction number for the delinquent account or transaction 2. Verifiable company contact phone number - any number that can not be verified will result in the negative reporting activity to be removed from the consumer 's credit report. 
3. Verifiable company address of the company reporting the negative action. 
Without the contact information of the company AND the unique transaction number, the credit bureau must decline to put the negative report on the consumer 's credit report. 
When the consumer receives a report that there is negative history on their consumers credit report, the consumer will then be able to call or write to the company and provide just the transaction number and their name to request the company provide legal proof that the debt is owed to the company that placed the negative history on their credit report. 
This data requirement will prevent rampant identity theft and fraud. 
Now when a consumer researches the company contact info and phones the company, the company representative routinely asks the consumer for their SSN, their work phone number, their home phone number, their date of birth and other personally identifiable information. ( PII ) This practice must stop. 
Many of these cos. are phishing/attempting to perpetrate fraud by getting all of a consumer 's PII when they they call about the neg. rpt on their 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 non-monetary relief