Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX i mailed letters to credit bureau EXPERIAN and XXXX by certified mail, disputing inaccuracies on my credit report i requested that the accounts be VALIDATED as per the FCRA everything on a consumer credit report must be Accurate and Verifiable. On XX/XX/XXXX i received results from EXPERIAN XXXX XXXX stating that the accounts was " VERIFIED '' .and " UPDATED '' On XX/XX/XXXX A second request of which METHOD OF VERIFICATION was requested, which method did they use, and the name of the person they spoke with to verified the disputed accounts, was sent to EXPERIAN & XXXX via certified mail. On XX/XX/XXXX i received EXPERIAN & XXXX disputing results in which they stated that the accounts were " UPDATED & VERIFIED ''. On XX/XX/XXXX I mailed the third round of 609 Debt Validation Letter s to EXPERIAN & XXXX, these two credit bureaus continue to report inaccurate information on my credit report and have failed to verify the items that have been disputed within the accordance of the law. On XX/XX/XXXX, i mailed a fourth request to VALIDATE the items was mailed via certified mail and nothing has been change, i requested that in the event that they can not verify the item pursuant to FCRA, and continue to report on my credit, i will find it necessary to sue for actual damages. On XX/XX/XXXX I mailed a final request to VALIDATE the disputed accounts to EXPERIAN & XXXX a warning violation of expired debt collection reporting and i have not received the results. On XX/XX/XXXX I received an alert by my credit monitoring services that XXXX XXXX EXPERIAN HAD REMOVED/DELETED the mentioned account i have included EXPERIAN REPORT in which states that my file has no derogatory accounts reporting. on XX/XX/XXXX I RECEIVED ANOTHER ALERT from my credit monitoring services that EXPERIAN & XXXX  placed the two mentioned accounts back on my credit report. This is a violation due to they did not notify me in writing within 5 days of them placing items on my report. it's been a year now and dealing with these two credit bureaus and my rights are being VIOLATED as per the FCRA and the FDCPA. i have requested DEBT VALIDATION NUMEROUS TIMES AND I HAVE NOT RECEIVED the requested documents as per the law states all information reporting must be verifiable and accurate, i also asked which method did they use when " VERIFYING '' the accounts and they still have not provided a response. i attached all the documents along with the certified receipts and explaining how these credit bureaus just throws items without notifying the consumer. I have disputed the accounts several times all i get are stalling letters stating they " NEED MORE IDENTIFICATION '' This situation is really interfering with my emotional state and the ability to provide for my family since for the majority of the things i need to do credit checks are required.As per the FCRA & FDCPA along with other collection reporting agencies & credit bureaus must follow and obey the law as to provide verifiable proof to the consumer when requested as DEBT VALIDATION '' Any information that is not verified has to be DELETED and must update the credit report and provide a credit report to the consumer. Can you please help in this matter. Its been a year and i'm still going with the back and forth with this situation. I have all of the letters and certified mail receipts for my records and available upon request. thank you XXXX bless.

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