Consumer complaint received 2018-11-23
Company: Experian Information Solutions Inc.
State: VA
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:
Exs dispute cfpb XXXX XXXX XXXX XXXX XXXX XXXX Reach XXXX, VA XXXX SS # XXXX DOB : XX/XX/XXXX XX/XX/XXXX Legal Department XXXX : You are in direct violation of the FCRA 611 and 623 guidelines. This information is also being supplied to the CFPB # XXXX-XXXX, XXXX-XXXX 1. Failure to investigate/reinvestigate-12+ disputes sent this year, I've asked for written proof of verification of debt ( signed original contract, documents w/sig, original/initial contract or application, as well as payment history. Debts never verified. Those inaccurate debts are to be blocked and deleted in 5 days. 
A. XX/XX/XXXX XXXX B. XXXX XXXX From the both, no documentation to verify, other than 15 variations of my SS # deleted, SS deleted, 20 variations of my name, address, phone, etc. 
All dates of correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX no written verification. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX no response. 
XX/XX/XXXX, XX/XX/XXXX data breach victim, no response. 
XX/XX/XXXX : XXXX over a year no response. 
XX/XX/XXXX XXXX over 2 years no response. 
XX/XX/XXXX XXXX verified, but no documents provided. 
XX/XX/XXXX, XX/XX/XXXX XXXX no results. 
XX/XX/XXXX XX/XX/XXXX, XXXX no results. 
Over 30 days, 1 year, 2 years : accounts should of been deleted. 

2. Disputes over 30 days to verify, submitted XXXX, XX/XX/XXXX ; asking 5 day block and delete of all disputed items. Inaccurate/incomplete is not verified, as well as using the XXXX  system. Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the debts. I was given no written evidence of my obligation to pay these debts to those collection agencies. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to block and delete all disputed accounts, inquiries, public information, and or collection accts. with in 5 days of receipt XX/XX/XXXX. 
3. Violation of FCRA guidelines, state law guidelines, as they ask for additional requirements on furnishers as well as CRAs. My intent is to seek legal counsel for monetary damages. penalties, and letter stating the accounts that are inaccurate or incomplete, shall be received in 5 days of this notice. 
4. If an CRA receives information from a credit agency, collections, that the information is indeed inaccurate, they must share this information with the other CRAs to update their reports. XXXX and Experian advised all accounts disputed were blocked and deleted from my file, as they were inaccurate and incomplete. All XXXX accounts, XXXX XXXX, and XXXX/XXXX. XXXX-2 different starting dates posted, report XXXX XX/XX/XXXX XX/XX/XXXX start, another report XX/XX/XXXX start, {$43000.00} was paid in full, as your history states only 1 late payment in XX/XX/XXXX, how could there be a repossession, when the account is paid in full, and I had the title only 1 late payment. Please block and delete. Experian has sent me 5 different reports stating that my SS number was deleted. All XXXX XXXX XXXX deleted and blocked. Failure to provide verification of debt, along with XXXX XXXX XXXX. XXXX, XXXX XXXX, and XXXX. All of those accounts are showing as opened on XX/XX/XXXX id theft and fraud. Block and delete all those accounts. Report XX/XX/XXXX Advised you deleted variations of name, social, address, telephone number etc. all were to be deleted and are still showing on my report. I would think I know how to spell my name, address, and number ; fraud identity theft. Report # XXXX XXXX XXXX, XXXX, 1. XX/XX/XXXX XXXX XXXX removed, XXXX, XXXX XXXX deleted XX/XX/XXXX, then you re-added it from a dispute XX/XX/XXXX with results projected XX/XX/XXXX ; 2 years apart, fraud, inaccurate, incomplete. All of them are to be deleted and blocked by XX/XX/XXXX 2. Dispute XXXX XXXX  blocked and deleted, still showing on report. Deleted XX/XX/XXXX, XX/XX/XXXX, 3. XXXX XXXX, you advised you deleted it 18 times on XX/XX/XXXX ; XX/XX/XXXX, still on report. Delete and block by XX/XX/XXXX 4. XX/XX/XXXX XXXX removed, XXXX/XXXX removed, still on report. Delete and block by XX/XX/XXXX 5. XXXX XXXX was removed. Fraud/inaccurate, Delete and block by XX/XX/XXXX 6. XXXX XXXX XXXX XXXX was paid and closed, then you state XX/XX/XXXX, XX/XX/XXXX report # XXXX updated paid in good standing, then report # XXXX XX/XX/XXXX paid before collection. Due to inaccurate, incomplete information Block and Delete account. 
7. XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, inaccurate not my accounts. Delete and block by XX/XX/XXXX 8. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX   XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, and several others ; XX/XX/XXXX XXXX XXXX all unauthorized inquires removed and blocked. No applications submitted in the last 5 years other than XXXX XXXX XXXX, which I authorized, and you supplied inaccurate, incomplete, fraudulent information from my report, Delete, block, and send an updated report to XXXX XXXX XXXX with corrections. 
5. Delete and Block accounts below due to fraud/id theft/inaccurate, incomplete information. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give authorization to for anyone else to open these accounts. 
FTC reports l : XXXX, XXXX, XXXX XXXX : cybercrime fraud XXXX XXXX XX/XX/XXXX cybercrime fraud Police reports fraud! identity : XXXX XXXX, XXXX XXXX, XXXX XXXX  : XXXX XXXX variants of XXXX , XXXX XXXX, XXXX/XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX {$13000.00} XXXX XX/XX/XXXX {$17000.00} All inquiries other than XXXX  XXXX XXXX All collections, public reports, name variations, address variations, number variations, SS variations, delete and block. 

You have hereby being served a 5 day notice to delete and block all above accounts, inquiries, collections, public records ( XXXX ), by XX/XX/XXXX. All original documents with my signature shall be sent to me as well as the XXXX. The case number is above. A report of deletions are to be sent no later than than that date, along with a personal updated report, and updated FICO score. 

6. Violation of FCRA Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information that a consumer has identified as theft/fraud. CRAs are to inform other bureaus of inaccurate information and those bureaus are only to report the accurate, and complete information. Experian and XXXX are now in compliance as all negative information was removed from my account. I suggest you contact them as well, so your information is updated immediately. Section 623 ( a ) ( 2 ) Section 605B debt from identity theft/fraud are not to signed contracts, applications, etc written, original documents ) in ( 5 ) days, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 


Dr XXXX XXXX Chamber of Commerce XXXX Founding Member of the XXXX XXXX I am writing to dispute the accounts referenced above. I have disputed this account information as inaccurate with ( credit bureau ), and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself andve been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

2. Experian Experian is partnered with XXXX and XXXX XXXX. Experian matched with both companies and it was only suppose to be a soft inquiry. Well that wasnt the case. I have 2 hard inquiries and want them removed immediately. That is deceiving and they have a history of doing this repeatively. 

Section 623 ( a ) ( 2 ) Section 605B debt from identity theft/fraud are not to signed contracts, applications, etc written, original documents ) in ( 5 ) days, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

3. XXXX Has failed to update my information and remove and block inaccurate accounts. Remove and block inaccurate information. Seeking civil payments actuary, provisions, and regulations broken with FCRA. 

Section 623 ( a ) ( 2 ) Section 605B debt from identity theft/fraud are not to signed contracts, applications, etc written, original documents ) in ( 5 ) days, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

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