Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

Complaint:
To Whom It May Concern : I am writing to your company in hopes that you can help me with a problem that I am having with the three credit Bureaus ( XXXX, XXXX  and Experian ). I have written 4 letters to each of the companies trying to get unverified items on my credit report removed. The first two letters where responded to saying that the accounts were verified with no proof of verification. The third letter was responded to by Experian saying they would not reinvestigate. I then followed up with a forth letter and a non response letter and have not gotten a response. XXXX  and XXXX   have not replied to either of the last two letters. In my letters I informed each credit bureaus and asked for the following information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. They have also violated and have been notified that they violated Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) and Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly DELETE all information which can not be verified. I have been unable to get the following accounts verified nor deleted ( XXXX XXXX XXXX- account # XXXX ), ( XXXX XXXX XXXX XXXX- account # XXXX ), XXXX/XXXX- account # XXXX, US department of education- account # XXXX,XXXX,XXXX. Non of the above accounts have been validated or verified.

I also contacted the companies who are reporting to the credit Bureaus. XXXX XXXX XXXX sent a bill in the mail that was not itemize nor where they able to provide me with any documentation that I signed. The same can be said for the department of education. I offered them payment of the bill for the original letter of indebtedness but I have not gotten a response. XXXX XXXX XXXX XXXX didnt answer my letter at all. XXXX/XXXX also never responded to my letter asking to show me a itemized bill and a sign contact with my signature. Non of the information I was provided with meets Federal Trade Commissions guidelines of what constitutes proper debt validation. All of the accounts thats are listed can not be verified or valid because I didnt sign any documentation for theses accounts meaning they should be removed immediately. Thank you for your time and I hope that you can get this resolved for me.

XXXX XXXX XXXX- account # XXXX  XXXX XXXX XXXX XXXX- account # XXXX   XXXX/XXXX- account # XXXX  US department of education- account # XXXX,XXXX,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 non-monetary relief