Consumer complaint received 2019-05-08
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: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint:
I recently sent certified mail which experian received XX/XX/XXXX. They then sent a letter dated XX/XX/XXXX that there reinvestigation is now complete. They did absolutely nothing. That tells me they did not follow the law and did not review the evidence that I provided. I am not a litigious person. But I feel its best now to follow my Attorneys advise and take them to federal court. This is my final attempt to get them to do the right thing review the evidence and delete. What is more experian has not provided me any documentation that the items I disputed are accurate. They have no proof. 

Banruptcy -- At first experian kept saying the courts were the furnisher of information. This was not the truth. I have 2 letters from the Banruptcy courts division manager showing that they were NOT the furnisher of information. After lengthy back and forth with no change experian now pulls from the air and say XXXX XXXX is the furnisher. This again is not the truth. I have documented proof from XXXX XXXX is not the furnisher of information. What is more XXXX XXXX sent me documentation that they could not get a hold of experian to dispute the false claim they are the furnisher. So if the Bankruptcy court is not the furnisher XXXX XXXX is not then who is?? Its obvious by law you are required to delete this. I have a right to know who furnished you this information. Please do the right thing and DELETE. XXXX did the right thing and contacted XXXX XXXX and after there investigation saw there error did the right thing and deleted it. Why cant you experian. Please see proof. 

XXXX XXXX XXXX / XXXX XXXX XXXX -- - Please explain how in your reinvestigation of 1 day what your method of verification was / is? How did you verify this as accurate in 1 day when I cant get them to properly respond to me or my attorney?? See documented proof. XXXX  and XXXX and XXXX did a REAL INVESTIGATION saw the error and deleted. Please provide documented proof that my first date of deliquency was when they claim it was? Please provide a cancel check of mine showing my date of first deliquency. You cant why? I have never done business with caliber home loans. I have never written them a check or had any correspondence with them. They can not show you truthful proof. They now claim they acquired the debt from XXXX. If that is the case and they never received any payment or documentation from me { they now admit this } they are nothing more than a debt collector and are bound by the FDCPA. Which states they must go by the original creditors first date of delquentcy. XXXX says there first date of delquiency was prior to XXXX. Well they can not report debt /ect past 7 years. SO how did you verify these 2 accounts are accurate. XXXX has never been found no where on any of my files except yours. XXXX was deleted by XXXX  and XXXX  Delete these unverified accounts. 

Please provide me your method of verification. Specifically how you were able to do a reinvestigation in 1 day? Who verified these accounts? How did they verify them? Please provide me documented proof these accounts are reporting accurately. Please provide cancel checks of mine showing my first date of deliquency was in XX/XX/XXXX. XXXX admits payments were never caught up and they never had any documentation with my signature from me. XXXX admits they never received payments from me. So how is it Experian you verified these accounts as accurate??

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