Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
What happened? 
I am concerned about the validity and accuracy of XXXX, Experian, and XXXX 's recent investigations ( XX/XX/XXXX ) and ( XX/XX/XXXX ) of XXXX XXXX that is reporting on my credit report. I requested a reinvestigation of a XXXX XXXX account reporting on my credit file because I felt the item was not being reported legally and lawfully. I received a letter stating that the XXXX, Experian, and XXXX investigation was complete. I would like XXXX, Experian, and XXXX to explain to me how they conducted their investigation? Furthermore, XXXX XXXX has report defamatory information about me to the Credit Bureaus on account # XXXX. I contacted the below creditors, and they have NO proof I opened the accounts, nor written authorization, and have failed to provide any permissible purpose. In accordance with 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Experian, and XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX XXXX ) XXXX, Experian, and XXXX have on file account # XXXX. 
XXXX XXXX account information was deleted from XXXX and Experian because the fraudulent account could not be legally verified. However, XXXX reinserted the fraudulent account. Method of Verification 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a ). Who did you speak to? b ). On what date? c ). How long was the conversation? d ). What was their position? e ). What telephone number did you call? f ). 
What is the name of the employee of your company that spoke directly to the above party? 
g ). What is the position of the employee of your company that spoke directly to the above party? h ). How long has that employee been employed by your company? i ). What formal training was provided to this employee to investigate items of this kind? j ). Was there any e- mail or written communication between members of your company and the above party? 8. 

If so, please provide copies of all correspondence ; supply copies of all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9. Provide the date of the commencement of information 10. Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will formally request a jury trial! XXXX XXXX will further pursue all my legal remedies without further notice to XXXX, Experian, and XXXX. XXXX XXXX has attempted to resolve this matter formally before filing a complaint on XXXX, Experian, and XXXX and lawsuit! HIPAA and New Jersey 's Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX, and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX, XXXXare in effect in this situation. The Privacy Rules prohibit a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
XXXX XXXX is attempting to collect a debt on the basis of fraud. Please Remove/delete the XXXX XXXX, immediately! 

What would be a fair resolution to this issue? 
Please Remove/delete the XXXX XXXX, immediately!

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