Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: CA
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:
The purpose of this Complaint is to Rectify the Complete negligence the Credit Bureaus XXXX, Experian and XXXX use in reporting Credit information and illegal practices there of my credit report. Their credit reporting has negatively impacted my life and said parties should be held accountable for their negligence and illegal practices. I sent formal Dispute letters to all three Credit bureaus XXXX/XXXX/XXXX in which they recieved on no later than XXXX/XXXX/XXXX. The Fair Credit Reporting Act outlines they have 30 days from reciept of formal dispute letter to report the dispute on the consumers credit report.I did recieve itemized letters of verification from the credit bureaus that state the debt is mine but in the the Federal trade commission states that mere Itemized debt verification is not considered verified because of misidentifying the debt owner which translates to any documents that have my signature which none of the documents sent to me from said credit bureaus all did not have. This is in Section 809 ( b ) of the Fair Debt Collections Act and the itemized Verification note is from the Wollman Opinon of 1993 where a Federal Trade Commissioner Vice president and controller wrote this Opinion stating Itemized verification is not a verification with out properly identifying debtee. I then sent follow up letters on XXXX/XXXX/XXXX that request the 11 negative accounts to be removed from my credit report as it states in the FCRA section 623, if Accounts were not updated as " disputed by consumer '' in the 30 day time frame in which i gave them 45 days instead of the 30 day time frame the law states. They continue to disregard the Law in sending itemized verification letters hoping that Im not informed of the FCRA section 611 1 ( a )  in which they are required by law to remove the disputed items after the initial 30 day time frame. They are liable for {$1000.00} fine per occurance which would amount to {$11000.00} in damages due to Negligence to report accurately, Defamation of Character and Willful injury. I have been reluctant to File Small claims suits in court that would total {$33000.00} in damages to each Credit bureau and endless amounts of money that would cost them a fortune because my purpose is to get a good credit score and not the money for I am a man with a growing family and I need a Good credit score and because they have been reluctant to Follow the law I am trying every other option to rectify this wrong doing before it can get worse for the Credit Bureaus. I have enclosed Letters and postmarked reciepts that substantiate my claims. I urge you The CFPB to please help make this right by 1. Making sure the Credit Bureaus Delete all negative accounts on my Credit Report ( 11 ) and 2. Update all my information as follows : Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX XXXX XXXX XXXX XXXX and 3. Make sure nothing gets reinserted that does n't bear my signature I have exhausted all other options and I have proof that WILL hold up in court if none of this gets resolved! I have all documents that pertain to the negligence and the Verification that will cause the credit bureaus severe financial headaches. I am just a man that wants a fair shake in this world and I hope this can be resolved before I continue with suit. I urge the Credit bureaus to not simply Put disputed by Consumer now because I do have Proof of the negligence. I urge you as a company to do the right thing!!! 

thanks

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