Consumer complaint received 2021-10-25
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
RE THESE ACCOUNT NUMBERS THATS ON MY CREDIT REPORTS THATS INACCURATE : XXXX XXXX XXXX XXXX XXXX DEBT BALANCE : {$170.00}. 
XXXX XXXX XXXX I ASSUMED DEBT BALANCE : {$4100.00} INACCURATE ACCOUNT. 
XXXX- XXXX XXXX  ASSUMED BALANCE : {$970.00} INACCURATE ACCOUNT. 
I am concerned about the validity and accuracy of this recent investigation of these accounts that are reporting on my credit report. Over the last 6 months, I have requested an investigation because I felt the item was not being reported legally. Its been over 6 months and I haven't once received anything from the credit bureaus ( XXXX, XXXX, EXPERIAN ) Please explain to me how they can get away with this and by law, it's illegal can you conduct your investigation! And ask them to provide the following answers to these questions below. 

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If yes to the above : A. Who did you speak to?

B. On what date?

C. How long was the conversation?

D. What was their position?

E. What telephone number did you call?

F. What is the name of the employee of your company that spoke directly to the above party?

G. What is the position of the employee of your company that spoke directly to the above party?

H. How long has that employee been employed by your company?

I. What formal training was provided to this employee to investigate items of this kind? 
J. Was there any e-mail or written communication between members of your company and the above party? 

8. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9. Provide the date of the commencement of delinquency.

10. Provide the SPECIFIC date reporting that these items will cease.

I respectfully request a notarized affidavit confirming the information that they are providing is true and correct as per my civil rights granted under several federal laws. I have asked the credit bureaus numerous of times ( XXXX, XXXX, EXPERIAN ) that information should not come as a form letter response along with my disputes that was sent, they also never did this. 
My initial dispute was detailed and directly related to the account in question. I also expressed t0 the credit bureaus that a template response will not be an acceptable response. If they can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. I also expressed to the credit bureaus that if they choose not to provide the above-requested deletion or requested/required documentation of their investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings.

As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. I'm asking the FTC to help me remove this inaccurate information of my credit reports.

I have asked the credit bureaus numerous of times to respond to my dispute and request for verification/validation and given them 45 days to do this and they still haven't responded to the numerous of attempts I have requested they havent responded to any of my disputes in over 6 months. For instance, they will just say verified without offering actual proof or even notifying me if they havent or did verify the inaccurate collection item thats on my credit report.

When this happens, I have the right by law to challenge how the credit bureau came to the decision. FCRA Act Section 611, gives me the right to request an explanation of the verification method used by the CRA. If either party has the records, I can request a copy under the FACTA act, SEC 312 ( b ), and ( c ).

Please respond accordingly,

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