Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: WI
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 sent in a dispute letter via certified mail ( Tracking number XXXX ) that was delivered on XX/XX/XXXX XXXX XXXX  disputing inaccurate and unverified information on my credit report. On XX/XX/XXXX I received a letter from Experian with results of this dispute report # XXXX. There is no possible way they conducted an independent reasonable investigation on accounts the accounts disputed as the mail takes 2 days from Texas to WI and they received the dispute on the evening on the XX/XX/XXXX which means they would not have even had time to contact any of the original creditors and used XXXX to verify, sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. If you had investigated properly, rather than use your XXXX system, you would have known, that this account is not mine and is inaccurate and unverified as mine, though your company claims to have verified this. It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. I  intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 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. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. You stated you used XXXX to verify a public record but how would this be possible when I have not only opted out and suppressed my data but also had a security freeze in place barring them from releasing any of my information without my permission which I have NOT done. 

I demand the following accounts be removed immediately or I will pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be  entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 

XXXX XXXX XXXX - XXXX Unverified Account XXXX XXXX XXXX - XXXX Unverified Account XXXX XXXX XXXX - XXXX Unverified Account XXXX  XXXX/XXXX  - XXXX Unverified Account XXXX   XXXX XXXX  XXXX XXXX - XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX - XXXX Unverified Account US Dept ED - XXXX Unverified Account CHAPTER XXXX BANKRUPTCY - XXXX Unverified Account XXXX  XXXX XXXX XXXX - XXXX Unverified Account US DEPT ED 2XXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXX XXXX XXXX - XXXX Unverified Account XXXX/XXXX  - XXXX Unverified Account XXXX/XXXX  - XXXX Unverified Account

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