Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: TX
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 have sent Experian multiple disputes about the same problem, which they seem to not comprehend what I am asking Experian to remove every single account that is associated on my consumer report. EXPERIAN IS NOT FOLLOWING THE LAW! I have sent multiple disputes and all Experian is verifying my first, last name, and social security. They are not taking into account the documents that I have sent to show proof that XXXX have not validate any of the alleged debts in my name. When I call Experian and ask the customer service rep how they verified the debt. XXXX from XXXX XXXX told me he could not provide me with any of the information, I ask him why, and he had the nerves to say it's against the law. This will be my last and final attempt and the next step will be a consumer lawyer to sue XXXX and Experian. 
Experian I am not asking you to validate any information, I have already sent a request for XXXX XXXX and all they sent was statements. I have submitted the law stating that XXXX XXXX have no legal rights to report any debt on my credit report per CFPB subpart 2 regulation F 1006.34 ( b ) ( 2 ) ( i ) : 1006.34 Notice for validation of debts. 
( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; Official interpretation of Paragraph 34 ( b ) ( XXXX ) ( i ). 
XXXX. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. 
For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also, a creditor. 
Per CFPB law that you have written and stated on your website, XXXX has not validated any of the alleged debt according to section 1006.34 ( b ) ( XXXX ) ( i ). 
This company is also reporting inaccurate payments on my XXXX report, and I have pointed this information out to all 3 of the credit reporting agencies, that fail to correct this ongoing issue. These companies and CRA 's are not following your rules and laws that have been put in place to protect the consumer! Why have laws, if you are not going to reinforce what you have in place? It's your law CFPB, why is it so hard for the consumer to win or get anything removed deleted if the Credit Reporting Agencies do not follow the laws? THE FAIR CREDIT REPORTING ACT Public Law 91-508 & Amendments Title VI : Provisions relating to credit reporting agencies 601. Short title This title may be cited as the Fair Credit Reporting Act. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title

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