Consumer complaint received 2017-04-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My complaint is how can they list XXXX as source of verification on XX/XX/XXXX ( XXXX stated they verified through XXXX ), on XX/XX/XXXX and XX/XX/XXXX ( XXXX stated they verified ) if my account was frozen on XX/XX/XXXX. How could they verify my account XXXX ID : XXXX VERIFY my security freeze for XX/XX/XXXX. XXXX DID NOT verify a thing. They are continuing to send me letter back stating verified. XXXX are putting inaccurate information on my credit report. There are accounts that states paid and clearing on XXXX/XXXX/XXXX. If I paid this account off do you think I would file the account in bankruptcy. Another example : XXXX : Account sold to XXXX XXXX, then they have Bankruptcy Chapter XXXX, but the account is Purchased by another Lender ( How can I do both ). I 'm so confused, frustrated because they are taint my credit, by reporting inaccurate information. And refusing to make any changes. I would like for them to remove the public record as well as all the negative to accounts and remarks. XXXX are removing accounts and adding back to my credit report. I have a XXXX account and public record that has been remove and a continue to reappear. I have sent them the appropriate information to start the investigation and they failed to verify the accounts. One minute they are removing the information the next minute they are adding it back on. My credit is my lively hood. Please remove the negative. Experian are refusing to reply to anything. They have not verified anything it been over 30 plus days. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. XXXX XXXX XXXX, XXXX, XX/XX/XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. I have yet to receive update report from XXXX, Experian, and 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 explanation