Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: VA
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 am Enclosing my entire Correspondence with Experian. I am Enclosing my entire Correspondence with XXXX XXXX XXXX along with proof via Certified Mail. 
XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and letter to my attorney XX/XX/20,. 

I had notified Experian of violations of FCRA LAWS. In particular Section 809 { b }, 15 U.S.C & 1692g { b }, provides : " If the consumer notifies the debt collector in writing within the thirty day period described in subsection { a } that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to consumer by the debt collector. XXXX XXXX failed to Validate the debt furthermore failed to even respond to my request of the validation at all. Do to this alone and the fact they admitted in there own letter they ignored my request all 5 collection should have been deleted instead Experian left 1 collection up on my credit report for {$520.00}.

Section 809 { b } is clear 30 days had passed and XXXX XXXX XXXX did not respond it is Experians Duty to follow the law and remove the debt. Furthermore by allowing the collection to stay on my credit report constitutes a collection activity which is a {$1000.00} fine and I have the right to sue for damages including punitive and defamation. 

2ND XXXX XXXX XXXX was very deceitful and used deceptive practices to try to throw me off. Look at there original letter account numbers now look at the subsequent account numbers now look at the account numbers Experian is displaying. Need I say more? They claimed I didn't put the correct account number on the letter but you can see clearly I did. I used the same account number they told me to reply to the same account number they displayed 4 times on there original letter. 

3rd XXXX XXXX XXXX sent my a computer generated print out long after section 809 allows and did not send me the exact amount they claim the bill was for {$520.00} with my signature agreeing to services for {$520.00}. They were unable to produce any information showing I specifically agreed to the specific name or type of service I had for {$520.00} and agreed to pay that exact amount with my signature. My name drivers license info can be pulled up in different Public records since I am registered with the State of VA XXXX. So just having my name and Id does not mean agreed to any service. 

The problem stems from the deceptive practices that XXXX XXXX XXXX Displayed including changing of Account Numbers, Lying about the letter info they received, Lying when they received it, Please review FCRA Section 611 Procedure in case of Disputed Accuracy Please review FCRA 623 { a } { 1 } { a } You have obligation under the FCRA to ensure the accuracy of the information you furnish. It is illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that the information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. 
Its clear as day Experian ignored the law. Experian has more than " reasonable cause to believe that the information is inaccurate, I have sent proof both from XXXX XXXX XXXX and XXXX XXXX. 
Experian 's Furnisher of information admitted they made a mistake and removed, Deleted dismissed bankruptcy from there records. Given the fact Experian 's Furnisher of information acknowledge and error and removed the error from there records, Experian should remove it from there records as well since it no longer appears on there Furnisher of information record. 
I do not understand why Experian chose to ignore the letters I sent them from XXXX XXXX stating they deleted the Bankruptcy from there records? Experian instead told me that XXXX XXXX certified to them the information is still in there records. This is impossible I have sent you letters they have deleted it, I have sent you email statements, I have even sent you my Lexis Nexis consumer risk file showing the Bankruptcy is no longer in my file. See Proof. 

I am not asking for a hand out or free be. I am only asking Experian to follow the law and to do the right thing. I am only asking for human decency to do the right thing I am attaching proof of everything I have stated. Feel free to reach out to your furnisher of information.

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