Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB- XX/XX/XXXX SSN- XXXX Email- XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX Dear Experian XXXX Enclosed is a copy of the lawsuit that I filed against you in XXXX XXXX court on XX/XX/XXXX XXXX The case number is XXXX The lawsuit was filed due to the utter lack of response from your company. You failed to response to my last letter within 30 days which is a violation of the FCRA. I have the USPS tracking to prove that you received my previous dispute letters but did not respond. 

Over 60 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be permanently deleted removed from my credit report. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification there must be a signed contract with my two wet signatures. Now I am suing Experian for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.

You may contact me before via letter, phone or email at my address listed at the top of this letter. This matter can be settled simply by your agreement to permanently delete remove the false information from my credit file.

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be permanently deleted and removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Experian for violation of the Fair Credit Reporting Act and Defamation of Character The items to be removed from my credit report are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I look forward to your response. Sincerely,

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