Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To Whom I t May C oncern : My current credit report includes " Inaccurate '' and " Unverified '' information. I sent several letters to  Creditors an d Experian stating I was disputing items on my report and requesting proof of contract, bearing my signature. Yet again, they have failed to provide me with a copy of any viable evidence. On several occasions, I have contacted them in writing, requesting to see documentation bearing my signature, so that I could validate this debt. On every occasion, they have failed to provide me with any evidence or documentation.   As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX , a printout of a bill or itemized document does not constitute verification.     After the first letter that I sent I received a letter back stating they had " verified '' this and it was accurate. I sent a second letter stating that I was requesting the information that they used to " verify '' these accurate accounts and send me proof of contract bearing my signature. Again, I received a letter saying they verified this information and it was accurate, but did not prove and provide any information on how the item was verified and I was denied a mortgage.   Besides, the fact these items are n't mine and there is NO CONTRACT, hard to understand, how these items were apparently " VERIFIED '' to be accurate, but yet they are closed with a balance, but yet revolving, late/past due, in collections and also charged off all at once? How is that even possible?   The Credit Bureau needs to provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number.     I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.   I am hoping this matter will result in the removal of these inaccuracies on my account.   According to the Fair Credit Reporting Ac t ( FCRA ), the c redit reporting agency is required to give me the method of verification within 15 days of my request. This should be hard evidence that goes all the way back to the original creditor. I did not consent for them to use an automated system as means of an investigation process using any online computer program, e-Oscar, etc. The credit bureaus are required to send the all of the supporting documentation regarding the dispute on to the furnisher of the consumer 's account within 15 days.       I  tem # 1 ( Closed, Charged off, Late/ Past Due and Revolving??? )  XXXX  Account Number -  XXXX  Item # 2 ( Revolving and Closed??? )   XXXX   XXXX   Account Number -  XXXX  Item # 3 ( Closed, Charged off, Late/ Past Due and Revolving???? )   XXXX    Account Number -  XXXX  Lastly, if something is charged off, does n't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be deleted.
Sincerely,   XXXX   XXXX

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