Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
The Credit Bureaus are ignoring my requests and are taking too long to resolve this matter. I sent Experian two ( 2 ) Certified Letters, in which they receive on XX/XX/2022, requesting their Method of Verification on a previous investigation. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the Experian Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required, in order to get all information Under Section 609. The disputed items are listed in the CFPB Complaint ID XXXX, that was filed on XX/XX/2022. 

I expected a response within 15 days of receipt of these Certified Letters, it has now been over 139 days and these inaccurate accounts are still on my credit report. If you ( Experian ) had investigated properly, rather than use your e-Oscar system, you would have known that these items should have been removed in my initial investigation. I requested that Experian provide this information or DELETE the inaccurate accounts from my file. Experian has not responded to or complied with my requests, and they are now in Direct Violation of Sections 611 and 609 of the CFRA, they are in Violation of 15 USC 1681 s-2, Responsibilities as a Furnisher of Information, and they are in violation of my rights as a Consumer. I Demand that you ( Experian ) immediately DELETE the Inaccurate Items that I submitted for Reinvestigation. See CFPB Complaint ID XXXX. 

If these disputed items remain on my Credit File, or if you continue to ignore my requests, I will contact my Consumer Law Attorney and file a Law Suit against your Company for Violation of my Consumer Rights, the Violations that have already been committed under Sections 611 and 609 of the FCRA, as well as, the Violations under 15 USC 1681 s-2, Responsibilities as a Furnisher of Information ; Willfully and Recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error.

And under 15 USC 1681 ( n ) ( a ) ( 1 ) Civil Liability for Willful Noncompliance ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer, is liable to that consumer in an amount equal to the sum of ; ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure, or damages of not less than {$100.00} and not more than {$1000.00}. I will be seeking {$1000.00} per violation, per occurrence. You have ten ( 10 ) days to comply with my request and Federal Law.

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