Consumer complaint received 2022-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

Complaint:
Sent Mail, documentation, and FTC and letter to XXXX XXXX XXXX and Experian Credit Bureau advising that what ever they are attempting to collect is not mine, and they have not provided any burden of proof indicating that it is. I have never had any accounts with this company nor its affiliates. XXXX XXXX provided a false statement and reinserted an account on my credit file in which was previously removed. 
Experian reinserted this on my file and highlighted false statements. The below numbered sentences is what was provided to me by the Experian Credit Reporting Agency. Pursuant to Section 605B ( c ) ( 1 ) and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not be re-investigating your dispute again at this time. We had previously blocked this information from reporting based on an identity theft report you provided to us. The credit grantor subsequently certified its accuracy and we rescinded the block, as described in the notice we previously sent you. Based on information provided by the credit grantor and their certification to us, it has been determined either : The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. 
If you still believe the item is the result of identity theft, you may provide us a dispute statement of up to 100 words for us to include in your credit report. 

There was no notification to me that this was going to be resinserted. Also Experian refuses to per due diligience to investigate the accuracy of this company 's statements. 
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. 

Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Please furnish me with copies of any and all such certification. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 

Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and 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 ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. 

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days As such frivolous statements were made, clearly this company is in violation of the law according to : 1. FCRA Section 623 - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ). 
2. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) 3. FDCPA Section 809 ( b ), FTC opinionletter Cass from XXXX 4. US Court of Appeals XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX As such I am demanding that they DELETE DEROGATORY DEBT

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