Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
After disputing the following debts with Experian 2 times they have come back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified IAW the FCRA. 
The Fair Credit Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX ) to have PHYSICAL COPIES in THEIR files of documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU! 

Under the FCRA, Credit Reporting Agencies ( EXPERIAN ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer. Since XXXX can not provide proof of verification to me in the form of a physical contract document per my written request to do so - the account is classified as " UNVERIFIED '' and under the FCRA -all UNVERIFIED accounts MUST BE DELETED. 

*The FCRA requires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper Verification According to case law : the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! 

FAIR CREDIT REPORTING ACT ( Specifically Section 609 on Page 35 ) : FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( Page 35 of the FCRA Included ) : ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information IN THE CONSUMER 'S FILE at the time of the request EXCEPT that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( Page 45, FCRA ) ( a ) In General ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification. 
( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing. 

Hence, since I as the consumer have asked the Bureaus/CRAs to VERIFY the information being reported on my credit report, IN WRITING AND PROPERLY IDENTIFIED MYSELF ( Driver 's License & Social Security Card ) XXXX is required to disclose the documents in which they are required to have on file ( original signed application ) or remove them immediately! 

FCRA 609 ( Page 37 ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section -- E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, UNLESS the information is outdated under section 605 or CAN NOT BE VERIFIED. 

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( Pages 3-7, FCRA ) g ) The term " file, '' when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. 
( 2 ) Verification ( Page 7 ) ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumer 's application for the credit or insurance, or other information bearing on the credit worthiness or insurability of th

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