Consumer complaint received 2021-10-17 00:00:00
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
*** I AM NOT USING A 3RD PARTY AGENCY. THIS IS ME EXERCISING MY CONSUMER RIGHTS TO DISPUTE THIS ITEM. PLEASE FIND A COPY OF MY DRIVERS LICENSE ATTACHED TO THIS COMPLAINT. ***** I submitted a letter to validate accounts on XXXX to.. I didn't hear anything from them so I filed a complaint XXXX with you guys. According to FCRA reporting agencies have 30 days to validate disputed items. It took them longer than 30 days therefore my request to remove disputed accounts should be honored. I have attached the letters which state the date of Experian response. 

In addition, your letter dated XXXX states the outcome of my dispute of the below account remains The company that reported the information has certified to Experian that the information is accurate. 

What company are you speaking about? Please provide evidence of this and refer to the following : The following item should be removed immediately from my consumer report immediately : CHAPTER XXXX BANKRUPTCY Reference Number XXXX Your agency violated my privacy rights. Previous letters and complaints I gave you a chance to delete this item. Now this is my last attempt before I take legal action. The laws you are violating are clearly evident. The civil liability law I will clearly sue under is here. 15 usc 1681 a4 congressional findings and 15 usc 1681 O Civil liability negligent for non-compliance and there is an abundance of evidence.

Its also clear that you are in violation of Pursuit USC 1692 ( a ) Congressional findings and declaration of purpose. It is evident that your credit reporting agency used abusive practicing. This reporting of debt by you has an abundance of evidence of 15 usc 1692 d harassment or abuse. 

I have disputed this item with you before and you stated that it is verified by the company that reported the information ( please indicate the company you are speaking about. ) However, I have proof from two companies that the courthouse doesnt disclose information to credit reporting agencies. In addition, XXXX XXXX deleted it from my consumer file and prior to your verification date there was a credit freeze on my account with them. 

XXXX XXXX removed this derogatory item from my consumer report immediately because they also knew they were in violation for furnishing this information which they understood it to be identity theft. Just the same as you are doling, committing identity theft. 

Therefore, I am requesting that you provide the following : Please provide evidence of your authority under 15 usc 1692e and 15 usc 1692 f in this alleged matter. 

What is your authorization of law for collection of information? 

Please evidence of your authorization to do business or operate in this state. 

What is your authorization of collection of this alleged debt? 

Please provide evidence proof of the alleged debt, including the alleged contract or other instruments barring my signature. 

Please provide a complete account history including any charges added for collection activity. 

In a good faith effort to resolve this matter, this is my demand for proof of this debt specifically the alleged contract as well as proof of your authority in this matter. 

Under XXXX5 usc 1681 a4 as a consumer I have a right to privacy and this bankruptcy must be deleted from my consumer report immediately or you will be civilly liable.

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