Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
Experian received a notarized Affidavit of Fact dated XX/XX/2022 from the consumer, a natural living man : XXXX : XXXX on XX/XX/2022 via certified mail : Number XXXX. Experian has yet to notify me of the investigation, the results or the process in which the investigation was handled. It has been over XXXX days from certified mail receipt. The Affidavit is sufficient request to investigate and report all investigation procedures within the time frame given by the XXXX. In the pure Maxims of Laws of XXXX, the eternal and unchanging principles are ; XXXX TRUTH IS EXPRESSED BY FORM OF AN AFFIDAVIT. ( Lev. XXXX XXXX ; Lev. XXXX ; Lev. XXXX : XXXX. XXXX ; Mat. XXXX ; XXXX XXXX : XXXX ) XXXX AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE. ( XXXX XXXX. XXXX ; XXXX. XXXX ; ) Affidavit is the highest form of truth. XXXX XXXX : He who does not deny, admits. XXXX AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE. ( XXXX. XXXX XXXX wink emoticon. XXXX XXXX The disputed inaccurate items that are delineated in the Affidavit of Fact have not been investigated pursuant to the FDCRA : 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( XXXX ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). As a consumer pursuant to 15 USC 1681 ( a ) Congress clearly states that all reporting must be fair and accurate. ( b ) further outlines that reasonable procedures are required in reporting to meet the needs of commerce for the consumer credit and other information with fairness and accuracy. Due to the manner that credit reporting is completely voluntary ; i.e CFPB Key Dimensions and Processes in the U.S. Credit Reporting System 3.1.1 Furnisher Incentives and Disincentives Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. I gave no consent to XXXX to report any information on my behalf, the living man : XXXX XXXX XXXX, especially when said information is blatantly incorrect. Experian and any representative stand guilty of fraud and can be held criminally liable; pursuant to 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued thereunder.

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