Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: NC
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:
This credit bureau has lied to me over and over again. I reached out to them over 2 month 's ago now to resolve errors on my credit report that they are negatively reporting. The sent me a notice that bankruptcy accounts on my credit report were verified through XXXX however when I reached out to XXXX they said the accounts were REMOVED. I contacted this credit bureau again to confirm and they sent another notice saying the same thing. Not only was I LIED to about that.. I also asked them to furnish PROOF of the verification process and contracts baring my original signature for ALL negatively reporting items on my credit report. They have FAILED to respond to my request and is continuing to report negative things on my credit report. 

The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. 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, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be PROPERLY verified. 

The law is very clear DISREGAURD as to my Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I contacted the original creditor for XXXX XXXX Account # XXXX who was unable to verify that this account was mine. This violates my rights because per 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY! 


I contacted the original creditor for XXXX XXXX Account number # XXXX who was unable to provide verification that this account belongs to me. Or Furnish my Wriiten consent to report any negative accounts to my credit report per 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY!

Please be advised of my intentions to file a formal complaint with the Federal Trade Commission Due to the fact that I have contactedyou numerous times to PROPERLY investigate these inaccuracies negatively reporting on my credit report and you have failed to do so each time. I DEMAND THAT THESE ACCOUNTS ARE 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 explanation