Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the legal right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, phone numbers, and the erroneous names in which have been illegally displayed on my credit file, be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian you have now legally exceeded the time frame allowed by law ). 

THE FOLLOWING INVALIDATED, INACCURATE, DISPUTED ACCOUNTS INFORMATION, SHOULD NOT BE ASSOCIATED WITH MY EXPERAIN CREDIT REPORT! 

PLEASE REVIEW THE INFORMATION LISTED BELOW : XXXX COUNTY COURT IDENTIFICATION NUMBER : XXXX ACCORDING TO MY RECORDS, I HAVE NEVER HAD ANY JUDGEMENTS FILED AGAINST ME! I HAVE ALSO TAKEN THE LIBERTY TO PERSONALLY CONTACT XXXX COUNTY COURT, IN REGARDS TO THIS INVALIDATED ACCOUNTS INFORMATION. AS I HAVE YET TO RECEIVE A VALIDATION FROM XXXX COUNTY COURTS IN REGARDS TO MY DISPUTE. THE XXXX COUNTY COURT IS CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS, BY CONTINUING TO REPORT THIS INVALIDATED ACCOUNTS INFORMATION ON MY PERSONAL CREDIT REPORT. I AM NOW DEMANDING THAT EXPERIAN PROVIDE ME WITH THE EVIDENCE IN WHICH THE XXXX COUNTY COURT HAS PROVIDED TO YOU ON MY BEHALF, THAT WOULD SHOW THAT THIS ALLEGED JUDGEMENT IS ACCURATE. AS YOU EXPERAIN ARE IN FACT NO DOUBT AWARE THIS IS INVALIDATED DEBT HERE, AND I AM URGING YOU TO REMOVE THIS INACCURATE ACCOUNTS INFORMATION. 


XXXX XXXX XXXX PARTIAL ACCOUNT NUMBER : XXXX ACCORDING TO MY RECORDS, I HAVE NEVER HAD ANY DEALINGS WITH THIS ALLEGED CREDITOR! AND I WOULD LIKE TO KNOW WHY THEY HAVE BEEN BEING ILLEGALLY DISPLAYED ON MY EXPERAIN CREDIT REPORT? I HAVE WRITTEN TO XXXX, AND HAVE BEEN UNSUCCESSFUL IN GETTING THEM TO RESPOND BACK TO ME AS PER THE LAW REQUIRES. AS OF TODAY 'S DATE XXXX, HAS LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNTS INFORMATION WITH ME. AS YOU EXPERAIN ARE IN FACT NO DOUBT AWARE IT IS ILLEGALLY TO CONTINUE TO REPORT THIS ALLEGED ACCOUNTS INFORMATION ON MY PERSONAL CREDIT REPORT AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDE PROOF THAT IT IS. I AM NOW DEMANDING THAT EXPERAIN PROVIDED ME WITH THE LEGAL PROOF THAT THIS ALLEGED CREDITOR HAS PROVIDED TO YOU ON MY BEHALF, THAT WOULD LEGALLY VALIDATE THIS ALLEGED ACCOUNTS INFORMATION. I DID NOT REQUEST THAT VERIFICATION BE MADE, I REQUESTED A VALIDATION BE MADE ON THIS ALLEGED ACCOUNT! 

XXXX XXXX PARTIAL ACCOUNT NUMBER : XXXX .... 

ACCORDING TO MY RECORDS I DO NOT HAVE AN ACCOUNT WITH THIS CREDITOR, AND I WOULD LIKE TO KNOW WHY YOU EXPERIAN ARE CONTINUING TO ILLEGALY REPORT THIS ACCOUNTS INFORMATION ON MY PERSONAL CREDIT REPORT? 
I HAVE REQUEST THAT THIS ALLEGED CREDITOR, PROVIDED ME WITH A VALIDATION OF THIS ALLEGED ACCOUNT. AS XXXX XXXX IS IN FACT NO DOUBT AWARE THEY HAVE LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNTS INFORMATION WITH ME IN THE TIME FRAME ALLOWED TO THEM BY LAW! WEB-BANK IS IN DIRECT VIOLATION OF THE LAWS, BY CONTINUING TO REPORT THIS ACCOUNT. 

Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or a complete withdrawal in writing of any claim. Experian has failed to remove this inaccurate personal information, and the disputed accounts outlined in my original disputes. This inaccurate personal information should not be associated with my credit report and Experian has failed to legally verify this information in the time frame allowed by LA

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