Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: FL
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:
I have been writing XXXX, Experian, XXXX since XX/XX/XXXX of XXXX requesting proof that these unverified alleged accounts, unauthorized inquiries and inaccurate names and addresses are mine. All three bureaus have done nothing but AUTOMATICALLY UPDATE everything I dispute as VERIFIED by the original creditor or creditor as accurate. Every time XXXX, Experian or XXXX just auto verifies my disputes, my affidavits and my request for Validation, they never provide any Proof of Claim no evidence, no copies of any completed investigation. Experian, XXXX and XXXX have all repeated failed to provide me with one thing I requested on every one of my request and affidavits. 
I am completely stressed out and just over it and I will be moving forward with legal litigation if you can not assist me with this matter and make these credit consumer bureaus play by the rules and follow the law. All of my request and affidavits that were mailed to XXXX, XXXX and Experian were ignored completely for well over 30 days multiple times, and not one credit bureau has provided me with any validations of debt, any proof of claims or any copies of any completed investigations. All three bureaus Experian XXXX and XXXX are I direction violation of 15 USC 1692g ( a ) ( 5 ), 15 USC 1692g ( b ) and 15 USC 1681b ( a ) ( 2 ), alone with a slew of other violations of my rights as a federally protected consumer. The Law clearly states : Title 8 USC 809. Validation of debts ( 15 USC 1692g ( a ) ( 5 ).

( a ) NOTICE OF DEBT ; CONTENTS, ( 5 ) a statement that upon the consumers written request within the thirty-day period the debt collector will provide the consumer with the name and address of the original creditor, if different from creditor.

Title 8 USC 809. Validation of debts ( 15 USC 1692g ( b ).

( b ) DISPUTED DEBTS if the consumer notified the debt collector in writing within the thirty ( 30 ) day period described in subsection ( a ) that the debt, or any portion therefore, is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion therefore, until the debt collector obtains validation of the debt t or any copy of the debt or any copy of judgement, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor is mailed to the consumer by the debt collector.

15 U. S. Code 1681b-Permissible Purpose of consumer reports ( 15 USC 1681b ( a ) ( 2 ).

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never once wrote Experian, XXXX or XXXX giving them my written consent or instructions to report any of alleged unverified accounts, unauthorized inquires or inaccurate information to my Experian, XXXX and XXXX consumer reports in the first place. I called Experian, XXXX and XXXX multiple time since XX/XX/XXXX to request the original copies of the letters that I would have written to them bearing my wet signature giving them instructions to report the referenced above information, since they just keep auto-verifying everything I disputed without providing any actual proof or Proof of Claim. They never provided me with anything I requested written or verbally. How is this legal? 
Please have Experian, XXXX and XXXX DELETE these all these alleged accounts and all these unauthorized NON account Bearing Inquiries The bureaus know exactly which inquiries I am referring to. Again Please DELETE the following disputed information because they failed to verify since XX/XX/XXXX : Name of Account Account Number Provide Physical Validation XXXX XXXX XXXX XXXX XXXX Unverified Account/No Contract XXXX XXXX XXXX XXXX XXXX Unverified Account/No Contract XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account/No Contract XXXX XXXX XXXX XXXX Unverified Account/No Contract XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account/No XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unverified Account/No Proof XXXX XXXX XXXXXXXX XXXX Account/No Proof Again I not been able to get any Verifiable Proof or and Proof of Claims for any of the alleged accounts and inaccurate information since XXXX, XXXX. Not even after sending more request and official affidavits to all three bureaus. Experian, XXXX and XXXX are now all knowingly, willfully and unlawfully reporting some new unverified accounts that just appeared on my consumer credit reports without my consent or written instructions. I can only imagine the unwanted added stress and willfully non compliance. I am about to even request validation of debt These new unknown alleged accounts are listed below : Name of Account Account Number Provide Physical Validation XXXX XXXX XXXX  XXXX Unauthorized Account/No Poof XXXX XXXX XXXX XXXX Unauthorized Account/No Proof XXXX XXXX XXXX Unauthorized Account/No Proof XXXX, XXXX XXXX Unauthorized Account/No Proof CREDIT XXXXXXXX XXXX XXXXXXXX Unauthorized Account/No Proof

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