Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
This complaint is against Experian, i first contacted Experian about a report on my credit report from   XXXX   XXXX  , i ask Experian to provide me with me a " copy of any visible evidence bearing my signature '' the date of my first request was  XXXX / XXXX /  XXXX   my second request asking for the same information due that my first request was ignored ...  XXXX / XXXX /  XXXX     XXXX   acct #  XXXX  {$680.00}.   Experian was also asked to include FCR A 623 ( a ) ( c )  : This law is very similar to the FDCPA above it requires the credit bureau to report that you have disputed something on your credit report, after you have contacted them directly. They will need to add the dispute sentence to your credit report.   " customer has disputed something on your credit report '' Experian ignore this request both time ... below the copy of the letter sent to Experian but cert mail with return recite requested ...      XXXX   XXXX   XXXX   XXXX   XXXX  Idaho  XXXX  Experian.     XXXX   XXXX      XXXX  Tx.  XXXX   XXXX / XXXX /  XXXX    XXXX  : Social Security Number  XXXX  To Whom it  May  Concern : I have recently been informed that there is negative information reported by  XXXX    XXXX   XXXX   XXXX      XXXX , OR  XXXX  (  XXXX  )  XXXX  Account  Number  XXXX  ....   I am unaware of this acct. and have disputed two-time without you showing me proof " only hearsay '' Please validate this information with above creditor and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act sectio n 623 ( a ) ( 3 ), and  I am keeping careful record of your actions Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue  local to me, in order to formally defend yourself.   My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX  Idaho  XXXX  SS #  XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    PS FCRA 623 ( a ) ( c ) : This law is very similar to the FDCPA above it requires the credit bureau to report that you have d isputed something on your credit report, after you have contacted them directly. They will need to add the dispute sentence to your credit report.   " customer has disputed something on your credit report ''

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