Consumer complaint received 2017-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent XXXX XXXX a certified letter disputing an account on my credit report X/XX/17 which they signed for X/XX/17 at XXXX XXXX. They responded with an itemized bill dated X/X/17 but no evidence bearing my signature. Therefore I sent them a second letter X/XX/17 which they signed for X/X/17 at XXXX XXXX. requesting they provide me a description of the procedure used to determine the accuracy and completeness of the information. They have not responded as of X/XX/17 making it 22 days after receiving my second letter. I have made two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by XXXX XXXX. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$930.00} per the bill sent to me. My credit reports from all three credit bureaus show an amount of {$930.00} on a closed account listed under XXXX XXXX. I emailed the XXXX CEO XXXX XXXX his companies failure to provide me information and failure to mark disputed on my credit report. He agreed to look into the matter only to send me another bill of items listed. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the credit bureaus with the required disclosure, within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. It has been over 60 days and still not dispute. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

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