Consumer complaint received 2017-09-26
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:
FDCPA STATES : The FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. It also confirms that you agreed to pay the debt, and the amount of the debt is accurate. Any debt collection agency that refuses to follow these steps can be reported to both state and federal officials for violating the law. 
I have reached out to Experian sinceXX/XX/XXXX disputing incorrect data on my credit reports and I keep receiving correspondence back saying that the information has been verified. Experian has on letters that I sent to them beginning in XXXXXX/XX/XXXX requesting that all of this incorrect information be deleted. Experian has failed to validate and delete what is not accurate on my credit report with them. I have attached another letter requesting information be validated. Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation and your METHOD OF VALIDATION. I am aware that the credit bureaus employ all sorts of interesting automated tactics in an attempt to deal with deadlines. Yet many times the computerized methods fail to do their job properly. 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 ( ME ). Therefore 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 am formally requesting documents, bearing my signature, showing that I have a legal binding contractual obligation to pay the alleged amount. Furthermore, if at any time the account is validated I am requesting Experian method of validation pursuant to the FCRA, including the name of the person with whom Experian spoke to, who has first-hand knowledge of the accounts in question. I have been making this same request since XX/XX/XXXX. All records in your files under my SSN should be correct and have my signature. I am aware that you all should have the paperwork in your files since you are reporting this negative information on my credit report. I am also aware that all info automated and computers do make errors. It has been said that the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, the credit bureaus are essentially data brokers. So more data is worth more money, even if some if it is being incorrectly reported. I am requesting the following be validated or deleted and blocked : Ad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If deleted I request this information be blocked and I require confirmation that the accounts have been blocked. I also request that all other addresses be removed from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I am requesting the removal of the following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am requesting that the following Telephone numbers be removed for they are not mine and you will never find a bill in my name under these telephone numbers : XXXX XXXX XXXX Please remove Spouse or Co-Applicant name off of my credit report. I am single and have never ever been married! 
Remove the name XXXX off of my credit report. 
Remove Former or current employment : XXXX Experian should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX. XXXX ( C.D.Cal. XX/XX/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. 

I have placed attached a copy of my XXXX XXXX bank statement showing that XXXX XXXX XXXX XXXX was paid off inXX/XX/XXXX. This was way before it was erroneously placed on my credit report as a collection item. This error has been on my credit report for several years errorneously and Experian never took the time to investigate and delete this error. DO NOT UPDATE AD XXXX AS PAID!!! THIS MONEY WAS PAID TO SPEEDY CASH ON XX/XX/XXXX AND SHOULD BE DELETED AND BLOCKED. THIS ERROR ALONE IS A WINNABLE LAWSUIT. 
I have also included a letter from XXXX saying that they have received my request for validation and it will be reviewed and THIS IS NOT A ATTEMPT TO COLLECT A DEBT. Why has Experian allowed XXXX on my credit report if they have not validated information? THE LETTER THAT THEY RESPONDED TO ME WITH IS NOT VALIDATION PER THE FCRA OR THE FDCPA I have also included the following tracking numbers : XXXX, XXXX, XXXX. I have sent you letters certified on which you received these letters ( 1 on XX/XX/XXXX and the other 2 letters onXX/XX/XXXX ). These second set of letters have now become legal documents since they have been sent certified. I am keeping meticulous records of my communications with you.

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