Consumer complaint received 2017-01-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
It is my consumer right under the FCRA to dispute anything on my credit report I feel is inaccurate. This is where the bankruptcy and XXXX has come to play. I understand the law and not arguing with a true verified Bankruptcy that you have placed on someones account. In this case this is not the case. This Bankruptcy/XXXX has been disputed because as stated it is my right to dispute anything inaccurate showing on my credit report. You have FAILED to still explain how you have verified this information. Who did you verfify this information from? WHERE ARE THE DOCUMENTS THAT HAVE BEEN PRESENTED TO YOU SHOWING THAT THIS INACCURATE REPORTING HAS BEEN VERIFIED. I also contacted the address below in refrence to this BK XXXX you are reporting and they advise that they have not verified this inaccuracy with anyone! So. Where and HOW did you verify this information?? I also will be going up Tto this is office to get something in writing on there letter head explaining what they advise to me that they DID NOT VERIFY ANYTHING WITH EXPERIAN. SO I ASK AGAIN HOW DID YOU VERIFY AND WITH WHOM SO I CAN REACH OUT TO THEM? 

XXXX Law Dictionary, XXXX Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account in dispute belongs to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have basically ignored my request to provided me with the documents that you have in your files that you used to verify this bankruptcy/XXXX ACCOUNTS which means that you have NOT verified or you can not verify 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 for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this 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 verified or deleted immediately.

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