Consumer complaint received 2016-06-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO EXPERAIN IN REGARDS TO A LETTER THAT THEY HAVE SENT TO ME VIA THE US MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO EXPERAIN ON MY BEHALF, I THANK YOU IN ADVANCE. 

I am very distressed that Experian has re- inserted previously deleted information back on my credit profile due to its damaging effects on my good credit standing. As you Experian are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I am now DEMANDING that the inaccurate accounts be completely removed from my personal credit report! As this is a clear case of unverified debt here and I am URGING Experian to adhere to the law. THE FOLLOWING INACCURATE ACCOUNTS INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY PERSONAL CREDIT REPORT : XXXX- ACCOUNTS NUMBERS # XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
THIS INACCURATE ACCOUNTS WERE ILLEGALLY RE-INSERTED BACK ON MY EXPERAIN CREDIT REPORT, WHICH IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORT ACT! THESE ACCOUNTS SHOULD BE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX THIS ALLEGED ACCOUNTS INFORMATION IS INACCURATE AND SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDED ME WITH A COPY OF THE LEGAL DOCUMENTATION IN WHICH THIS ALLEGED COMPANY HAS PROVIDED TO THEM ON MY BEHALF, AS I HAVE TRIED TO CONTACT THIS COMPANY SEVERAL TIMES ON MY OWN AND HAVE BEEN UNSUCCESSFUL IN GETTING THEM TO RESPOND BACK TO ME, I HAVE PREVIOUSLY ENCLOSED A COPY OF THE DOCUMENTS IN WHICH I HAVE REQUESTED THAT THEY LEGALLY VALIDATE THIS ALLEGED ACCOUNT! THIS ALLEGED COMPANY HAS LEGALLY FAILED TO VALIDATE THIS ACCOUNTS INFORMATION WITH MY IN THE TIME FRAME ALLOWED TO THEM BY LAW! EXPERIAN IS NOW KNOWLY AND DIRECTLY IN VIOLATION OF THE FAIR CREDIT REPORTING ACTAND THE FAIR DEBT COLLECTION PRACTICES ACT, BY CONTINUING TO REPORT THESE ALLEGED ACCOUNTS AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT THEY ARE. AS XXXX XXXX XXXX HAS ALSO BEEN MADE FULLY AWARE OF THERE DIRECT VIOLATION OF THE LAWS, BECAUSE I HAVE ALSO FILED A COMPLAINT AGAINST THEM WITH THE ( CFPB ) CONSUMER FINANCIAL PROTECTION BUREAU AND THEY HAVE ALSO LEGALLY FAILED TO RESPOND TO MY COMPLAINT! SO NOW I WILL ASK YOU EXPERAIN HOW IS XXXX XXXX XXXX RESPONDING TO YOU WHEN THEY HAVE FAILED TO RESPOND TO ME AND THE GOVERMENT ENTITY THE REGULATES THEM? 
THIS IS ONCE AGAIN A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN ONCE AGAIN TO ADHEAR TO THE LAW AND REMOVE THIS INACCURATE ACCOUNTS INFORMATION!!!!!!!

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