Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (OH)

I have been disputing and requesting validation of a debts I do not owe AND BASIC INACCURACIES on my credit report for nearly a 7 months now, and EXPERIAN has not only been evasive, they have never once provided the requested and official documentation required by law, Not once have they provided me valid proof that it was mine NOR that I had a contract with either of this company, nor have they corrected the information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
ADDITIONALLY I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Experian did NOT evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. Experian did NOT authorization of law for your collection of information? 3. Experian did NOT authorization of law for your collection of this alleged debt? 4. Experian did NOT provide evidence your authorization to do business or operate in this state. 5. Experian did NOT provide evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Experian did NOT provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 15 days WHICH EXPERIAN DID NOT DO Bankruptcy chapter 7-discharged XX/XX/XXXX Ref # : XXXX Court : XXXX OH XXXX - did not provide proof this was accurate in sufficient time PLEASE REMOVE XXXX XXXX - did not provide proof this was accurate in sufficient time PLEASE REMOVE XXXX XXXX XXXX, XXXX XXXX - did not provide proof this was accurate in sufficient time PLEASE REMOVE FEDERAL ADJUSTMENT XXXX XXXX - did not provide proof this was accurate in sufficient time PLEASE REMOVE XXXX XXXX XXXX - did not provide proof this was accurate in sufficient time PLEASE REMOVE INCORRECT ADDRESS : XXXX XXXX XXXX XXXX, XXXX, OH XXXX - not accurate PLEASE REMOVE