Consumer complaint received 2016-06-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I also keep receiving notifications from Experian that they will no longer investigate these accounts and the first notice I received was after receipt of the FIRST letter! That 's in violation of the FCRA and I 'm not an idiot.Once I notify them that their findings are wrong, they legally have to investigate! I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. Experian, specifically, is reporting late payments that i know to be incorrect and in XXXX, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with Experian : XXXX - You violated section 611 of the FCRA which states that you can not reinsert a previously deleted negative item without notifying me within 5 business days of said reinsertion, which you did not. I was not ever late on this account. Remove this immediately XXXX - You violated section 611 of the FCRA which states that you can not reinsert a previously deleted negative item without notifying me within 5 business days of said reinsertion, which you did not. I was not ever late on this account. Remove this immediately XXXX - where 's your proof that I was late? I know for a fact that I was n't and you still report it as such, so remove this right now XXXX - I asked for the proof that I was late and of course you did n't provide it and neither did the creditor, so you need to remove this. Someone seeing my name on a screen is NOT legal verification and you must have firsthand knowledge, which you do not, so take this off immediately XXXX - once again, you have this marked as 30 days late and I know that I was n't late for that month and you have n't provided anything and I know that you do n't have firsthand knowledge so remove this XXXX - I already told you that I was n't late. This needs to come off my of credit file. Where 's your proof? You do n't have any! 
XXXX - # 1 I was never late on this account # 2 you have the wrong open date of this account and # 3 you have n't provided any proof. Remove this right now

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