Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to positively verify this account as mine. 
I sent Experian notice on XX/XX/XXXX requesting physical verification of the original signed consumer contract ( FRCA section 609 ( a ) ( 1 ) ( A ) ) ( see attachment ) .On XX/XX/XXXX Experian emailed me stating that they were able to verify the account as mine ( see attachment ). I then sent Experian notice requesting them to send me a complete description of all methods used to investigate my aforementioned dispute ( FRCA 611 ( a ) ( 7 ) ( see attachment ). On XX/XX/XXXX I received another email from Experian explaining their role in the dispute process ( see attachment ). Experian has not sent me ANY of the requested verifiable proof within the 30 day calendar period allowed. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act credit bureaus have 30 days to verify a debt after a consumer dispute that debt, if the credit bureau can not positively verify the accuracy of the information within that time frame the bureau must remove it from the consumer credit report. Experian has failed to do so within the allotted time period. 
On XX/XX/XXXX, I sent Experian a letter requesting verifiable proof including copies of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) of the FCRA ( a consumer contract with my signature on it ) ( see attachment ). On XX/XX/XXXX, I received an email from Experian stating that they were able to verify the account ( see attachment ). I immediately sent Experian a notice requesting a complete description of all methods used to investigate my aforementioned dispute as is my right under the FCRA 611 ( a ) ( 7 ) ( see attachment ). On XX/XX/XXXX, at XXXX : XXXXI received another email from Experian explaining their role in the dispute process. However, I have yet to receive the requested proof of verification and methods of investigation. 
It is now XX/XX/XXXX. Experian has failed to provide me with a copy of ANY original documentation, nor have they provided me with the methods of investigation as requested. 
Bottom line is Experian has failed to provide verification within the allotted 30 calendar day timeframe and is required to remove this account from my credit report immediately by law. 
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA This account is to be removed immediately. 
Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I dont recognize this account Also please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file Thanks, 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 explanation