Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: WI
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 sent in dispute letters via certified mail to XXXXn, XXXX ( WHO NEVER RESPONDED IN 30 DAYS THAT IS A VIOLATION ), and Experian. There is no possible way they conducted an independent and reasonable investigation on the accounts disputed as the mail takes 5 days from WI to PA and they received the dispute on the morning of the XXXX which means they would not have even had time to contact any of the original creditors and used E-Oscar to verify, sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. If you had investigated properly, rather than use your e-Oscar system, you would have known, that this account is not mine and is inaccurate and unverified as mine, though your company claims to have verified this. It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. 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 am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately or I will pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 

You all stated you used XXXX XXXX to verify a bankruptcy how is this possible when I have a data suppression PLUS a security freeze on my XXXX XXXX file due to fraud and inaccurate information being given out. I currently have an open investigation with them.

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