Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This is the original complaint number : XXXX And the original complain is as follows : the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX {$210000.00} balance. 

Experian provided a status update on XX/XX/XXXX Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. 


Experian provided the following response on XX/XX/XXXX In your complaint, you indicate that there are items on your credit report that are inaccurate and you request that the items be removed and/or updated. At your request to begin a reinvestigation, we contacted the data furnisher ( s ) to verify the accuracy of the information with which you disagree. Regarding the 1st item you disputed the data furnisher has verified the accuracy of the disputed information Regarding the 2nd item you disputed the data furnisher has verified the accuracy of the disputed information Regarding the 3rd item you disputed the data furnisher has verified the accuracy of the disputed information Regarding the 4th item you disputed the data furnisher has verified the accuracy of the disputed information Regarding the 5th item you disputed according to our records, the disputed item does not appear on your personal credit report at this time Regarding the 6th item you disputed the data furnisher has verified the accuracy of the disputed information Regarding the 7th item you disputed the data furnisher has verified the accuracy of the disputed information Regarding the 8th item you disputed the data furnisher has verified the accuracy of the disputed information Regarding the 9th item you disputed the data furnisher has verified the accuracy of the disputed information Regarding the 10th item you disputed - the data furnisher has verified the accuracy of the disputed information Experian has failed to address my complaint, regarding the fact that prior to reporting any information onto, my credit file. They must 1st have a copy of the signed original agreement, in order to be in compliance with the fair credit reporting act and XXXX   did not have the required documents, at the time of the reportimg, of these accounts. In addition, Experian is admitting that the required documents are not nor have they ever been is their care, by requesting the the creditor validate the debt. If they had the required documents and done the validation, before reporting as required by the FCRA, there would be no need to request a validation, as they would already have the supporting documentation and the debt, would have been validated before hand In addition, the FCRA requires that a debt be validate within 30 days from the complaint or the item ( s ) must be removed. Then complaint was filed on XX/XX/XXXX and a status was provided by XXXX on XX/XX/XXXX and then on XX/XX/XXXX, it was updated that the debt was validated. On XX/XX/XXXX,  this is well beyond the 30 day window for validating a date, as set forth by the FCRA and another violation of the FCRA. 

In addition, the credit bureau has fail to provide how the debt was validated. By whom in their company, validated the debt, their title and how was it validated and what original documents were used to validate the debate and provide a copy of the original agreement and all other documents and systems used to validate the debt ( s ). The FCRA states that a creditor can not just say the debt it valid and the reporting agency, except that as fact. It must have hard documentation, starting from the original signed agreement. This is also another violation of the FCRA. 

In addition, The names of the person ( s ) who validated the debt ( s ) within the creditor, their job, title how was the debt validated and were  copies of the debt provided to the credit bureau, prior to reporting. Both the creditor and the credit bureau, must stated on sworn hands and by signed affidavit, stating these facts as true, with the violation and signing of the affidavit, the signer can and will be charged with criminal charges and face imprisonment and fines, for each violation. I would like a copy of the signed affidavit ( s ) to that effect. For further investigation and criminal charges, to be filed. If both parties are found in violation, of the FCRA.

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