Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
METHOD OF VERICATION, XXXX XXXX FRAUD ALERT! Credit Inquiry Removal/DELETE DEMAND! 
I am concerned about the validity and accuracy of your recent investigation of XXXX XXXX inquires on XX/XX/XXXX that is reporting on my credit report. On XX/XX/XXXX, I requested an investigation and a reinvestigation on XX/XX/XXXX because I felt the item was not being reported legally. This month I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I have NO proof I initiated such inquiries on XX/XX/XXXX and XX/XX/XXXX, nor written authorization and have failed to provide any permissible purpose with XXXX XXXX! Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Dispute letter mailed Certified # XXXX to XXXX XXXX and CFO. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Please correct or remove the following information from my credit report within the 30-day time allowed investigation period as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 )  of the Fair Credit Reporting Act. You can email me at XXXX. 
1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 

2. What certified documents were reviewed to conclude your investigation? 

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 

4. What did it cost your company to obtain the documents needed to complete your investigation? 

5. Please provide proof of your timely procurement of certified documents. 

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 

7. If yes to above : a ). Who did you speak to? 
b ). On what date? 
c ). How long was the conversation? 
d ). What was their position? 
e. What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g. What is the position of the employee of your company that spoke directly to the above party? 
h. How long has that employee been employed by your company? 
i. What formal training was provided to this employee to investigate items of this kind? 
j. Was there any e-mail or written communication between members of your company and the above party? 

8. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 

9. Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial! 
There is no law that says that derogatory information has to be reported. I did not give consent to report derogatory information on my credit report! 
There is no law that says that derogatory information has to be on your report for a minimum time. 
There is a maximum time frame of 7 years for most items, but NO minimum! 

In fact, the following piece of legislation - Page 18817 Federal Register I Vol. 55, No.87 I Friday, May 4, 1990 I  Rules and Regulations Section 605 ( a ) Favorable Information - imposes no time restriction on reporting of information that is not adverse. Consumer reporting agencies are not required to report adverse information for the time periods. Violations of Privacy Act of 1974.

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 explanation