Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I SENT A DISPUTE TO EXPERIAN THROUGH THE CFPB PORTAL, ASKING FOR THE " METHOD VERIFICATION '' OF ACCOUNTS THAT CAME BACK VERIFIED AND UPDATED. YOUR COMPANY HAD 15 DAYS TO COMPLY. YOUR COMPANY SENT A LETTER SAYING I DIDNT GIVE YOU ENOUGH INFORMATION ABOUT THE DISPUTE. THIS WAS CLEARLY A LIE ON YOUR PART AND A STALL TACTIC. ( UNDER THE FCRA, YOUR COMPNAY WAS SUPPOSED TO GIVE ME INFORMATION BASED ON MY DISPUTE ASKING FOR THE METHOD OF VERIFICATION THAT YOU ARE REQUIRED TO GIVE ME IF I REQUEST IT ) ( YOU ALSO STATED THAT YOU WANTED ME TO CALL YOU, SO YOU COULD ANSWER MY QUESTIONS ABOUT THIS METHOD OF VERIFICATION DISPUTE. " THIS WILL NOT HAPPEN. I WILL NOT CALL ''. ( I SENT A COPY OF THE LETTER YOU SENT WHICH IS A VIOLATION OF THE FCRA BECAUSE I WAS VERY DETAILED ON WHAT I REQUESTED. ) YOU WILL GIVE ME THE METHOD OF VERIFICATION OF THESE ACCOUNTS WITHIN XXXX OR DELETE THEM IMMEDIATELY OR I WILL BE FILLING A LAWSUIT FOR COMPENSATION UNDER THE FCRA FOR EVERY MONTH THESE ACCOUNTS ARE REPORTING. I WILL BEGIN THE LEGAL PROCESS AS OF RIGHT NOW JUST IN CASE THE ITEMS ARE STILL REPORTING ON MY CONSUMER REPORT AFTER 15 DAYS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO EXPERIAN : YOU ARE REQUIRED UNDER THE FCRA to give me the Method of Verification for the accounts I previously disputed that came back verified and updated or I will be taking legal action and litigate to get my remedy for damages under the FCRA ( 15 USC 1681 i 7 is a section of the FAIR CREDIT REPORTING ACT ( FCRA ) that requires a consumer reporting agency to provide a consumer with a description of the reinvestigation procedure referred to in paragraph ( 6 ) ( B ) ( iii ) within 15 days of receiving a request from the consumer for that description. If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information, then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute. ) ( I AM REQUESTING THE METHOD OF VERIFICATION YOU USED TO DETERMINE THAT THE ACCOUNTS WERE ACCURATE ) ( YOU HAVE 15 DAYS ) { { 1. I AM REQUESTING THE PHYSICAL DOCUMENTATION ( WITH MY SIGNATURE ) AND ALL OTHER DOCUMENTS THAT YOU HAVE ON FILE THAT DETERMINES THAT THIS INFORMATION IS 100 % ACCURATE & CORRECT IN REPORTING ON MY CONSUMER REPORT AND SHOWING THAT I HAVE A LEGGALLY BINDING CONTRACUAL OBLIGATION TO PAY THEM. ( DO NOT SEND SCREEN SHOTS, THEY CAN NOT AND WILL NOT BE ACCEPTED ) 2. WHO DID YOU INTERVEIW REGAURDING THE DISPUTED ITEMS AND ACCOUNTS. ( NAMES OF THE PERSON OR PERSONS AND WHAT POSITION THEY HOLD IN THE COMPANY ) 3. THE DATE AND TIME YOU TALKED TO THAT PERSON WHO GAVE YOU THE INFORMATION AND WHAT DID THEY GIVE TO YOU. } } ( CASE LAW : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- THESE CONSUMERS WON THEIR CASE BECAUSE THE CRAs did not conduct a reasonable investigation of the disputed information ) { AN AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE } LAKING PROOF THEREOF, AND VIOLATING THE FCRA, YOU WILL IMMEDIATELY DELETE THE ACCOUNTS BELOW IN THE DELETE ACCOUNT AREA. 

DELETE : ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) 15 USC 1681 N is a section of the FCRA that specifically focuses on the willful noncompliance of anyone who is subject to the FCRA. It establishes civil liability for willful noncompliance with FCRA requirements, and anyone who willfully fails to comply with these requirements is liable to the consumer for actual damages sustained or damages up to {$1000.00} per violation. ( IF YOU DO NOT GIVE ME THE METHOD OF VRIFICATION IN SENTENCES 1, 2, and 3, FOR THE ACCOUNTS LISTED IN 15 DAYS OF RECIEPT OF THIS COMPLAINT TO THE CFPB, THEN YOU WILL IMMEDIALTEY DELETE THE ACCOUNTS MENTIONED. ( OR I WILL BE SEEKING DAMAGES FOR WILLFULL NONCOMPLIANCE FOR EACH ACCOUNT LISTED IMMEDIATELLY WHITHIN 15 DAYS IN THE AMOUNT OF {$1000.00} PER ACCOUNT NOT DELETED WHICH ADDS UP TO {$5000.00} )

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