Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: TX
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:
I have been actively researching the accounts on my personal credit report since XXXX of XXXX My discovery of these unverifiable findings has caused XXXX XXXX upon me, and these inaccurate and invalidated accounts continue to plague the representation of my financial character. 

In accordance with the Fair Credit Reporting Act, any account placed on my consumer credit report must be one-hundred percent ( 100 % ) accurate. I am entitled to have these accounts automatically deleted from my consumer credit report. I am entitled to receive compensation for the financial defamation of character and illegal restriction of funding opportunities. I have sent a series of notarized debt validation request letters to all three major credit reporting agencies ( Experian, XXXX, XXXX ). 

I have sent three debt validation letters to all three major credit reporting agencies. Ive sent these series of letters to all three agencies via Certified Mail on XX/XX/2022, again on XX/XX/2022, and lastly on XX/XX/2022. The third debt validation letter that was sent to all three major credit reporting agencies was also sent to each of the individual companies that is currently claiming this debt on my consumer credit report. 

On XX/XX/2022, I also sent demand letters to each credit reporting agency to have my personal information updated by removing numerous inaccuracies ( including, but not limited to, inaccurate names, inaccurate addresses, inaccurate employers, etc. ). 

Since each series of letters was sent via Certified Mail by USPS to both the major credit reporting agencies and the individual companies reporting inaccurate debts on my credit report, I am aware that each correspondence was received. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), each debtor/credit reporting agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Over the course of nine months, I have been persistently disputing said inaccuracies. However, I have been receiving illusive responses from creditors and the three major credit reporting agencies that dont supply me with the requested original form of indebtedness.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), each debtor/credit reporting agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

I have never signed away permissible use for any original creditor ( s ) to sell the right to collect or the permission to collect on any debts of mine. All of the proof to support my statement will be attached. I am currently prepared to sue every credit reporting agency, and each creditor who keeps their inaccurate account reporting on my credit report after this CFPB dispute. 

The credit reporting agencies ( XXXX, Experian, XXXX ) stated that my account was being properly investigated. However, that is not possible if multiple inaccuracies that include : inaccurate account open dates, inaccurate account closed dates, and inaccurate account last active are still listed on my consumer credit report. 

Each of the three major credit reporting agencies are repeatedly violating of my rights under FCRA Law, and they have all also taken more than 30 days to complete the investigation of my account. My Certified Mail receipts for the past 6 months will be attached. Each copy of every letter that I sent was notarized and had a copy of my Texas State Driver 's License and Government Issued Social Security Number card.

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