Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NJ
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 wrote Experian a letter on XXXX by certified mail to reinvestigate and verify accounts that was reporting on my credit report. It came back verified, according to the Fair Credit Reporting Act, 15 USC 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. I am sure you are aware current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you can't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is verified. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. You have ignored my request to provide me with the documents that you have in your files that were used to verify the disputed accounts, I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the accounts belong to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. You furnished this information without my written instruction pursuant to 15 USC 1681b ( a ) ( 2 ) Permissible purposes of consumer report : which says any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instruction to whom it relates. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is clear as day, as to the civil liability and the remedy available to me for negligent noncompliance Section 617 if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA. Under the FCRA 15 USC 1681 unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove theses accounts from my credit report. Please provide me with a copy of an updated and correct credit report showing these items removed. 
Account Name : XXXXXXXX XXXX XXXX  - Account # XXXX Reason : You failed to verify all data for this account, every notation, dates and balances this account needs to be removed immediately via FCRA section 611. 
Account Name : XXXX XXXXXXXX - Account # XXXX Reason : You failed to verify all data for this account, every notation, dates and balances this account needs to be removed immediately via FRCRA section 611 . 
Account Name : XXXX XXXX XXXX - Account # XXXX Reason : You failed to verify all data for this account, every notation, dated and balances this account needs to be removed immediately via FCRA section 611.

If you company, Experian, fails to comply with Federal regulations by credit reporting agencies, you will be required to appear in a court venue local me. I am also maintaining a careful record of my communications. With you for the purpose of filing a complaint with the FTC and Attorney General 's Office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( C.D. XXXXXXXX XXXX XXXX ) you may be liable for your willful non-compliance.

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