Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( XXXX ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your response should to me should include the following at a minimum. 
XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
XXXX What certified documents were reviewed to conclude your investigation? 
XXXX Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
XXXX What did it cost your company to obtain the documents needed to complete your investigation? 
XXXX Please provide proof of your timely procurement of certified documents. 
XXXX Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
Experian Experian 2 Year Payment History OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Paid Account Type : Revolving Balance Owed : {$0.00} Credit Limit : {$300.00} Creditor Remarks : Account has been closed due to inactivity. 
a If yes to above : i Who did you speak to? ii On what date? iii How long was the conversation? iv What was their position? v What telephone number did you call? vi What is the name of the employee of your company that spoke directly to the above party? vii What is the position of the employee of your company that spoke directly to the above party? viii How long has that employee been employed by your company? ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9 Provide the date of the commencement of delinquency.

10 Provide the SPECIFIC date reporting that these items will cease.

Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Here is a list of accounts that you claimed were verified. 

XXXX Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$0.00} Last Payment : - Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : XXXX Current Term Length : XXXX Experian Experian 2 Year Payment History OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Paid Account Type : Revolving Balance Owed : {$0.00} Credit Limit : {$1700.00} Creditor Remarks : Account has been closed due to inactivity. 
Creditor Type : Charge account Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$0.00} Last Payment : - Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : XXXX / XXXX Current Term Length : XXXX Experian Experian 2 Year Payment History Account # : Account Description : Account Status : Account Type : Balance Owed : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : High Balance : Last Payment : Past Due Amount : Payment Amount : Payment Status XXXX XXXX  XXXX Term Length : Experian Experian 2 Year Payment History CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO Account # : XXXX  Account Description : Individual Account Status : Derogatory Account Type : Installment Balance Owed : {$1700.00} Credit Limit : {$0.00} Creditor Remarks : First payment never received. Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Creditor Type : Unsecured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$1500.00} Last Payment : - Past Due Amount : {$1700.00} Payment Amount : {$0.00} Payment Status : XXXX XXXX XXXXXXXX XXXX Term Length : XXXX Experian Experian 2 Year Payment History CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK XXXX OK OK OK Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Revolving Balance Owed : {$1900.00} Credit Limit : {$800.00} Creditor Remarks : Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$0.00} Last Payment : XX/XX/XXXX Past Due Amount : {$1900.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX XXXX XXXX XXXX Experian Experian 2 Year Payment CO CO CO CO CO CO CO CO CO CO CO XXXX CO Account XXXX : XXXX Account Description : Individual Account Status : Derogatory Account Type : Open Account Balance Owed : {$740.00} Credit Limit : {$0.00} Creditor Remarks : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Unknown - credit extension, review, or Creditor Type : collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$740.00} Last Payment : - Past Due Amount : {$740.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Experian 2 Year Payment History Account # : Account Description : Account Status : Account Type : Balance Owed : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date of Last Date Reported : Activity : High Balance : Last Payment : Past Due Amount : Payment Amount : Payment Status : Term Length : XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian Experian 2 Year Payment History Account # : Account Description : Account Status : Account Type : Balance Owed : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : High Balance : Last Payment : Past Due Amount : Payment Amount : Payment Status : XXXX XXXX XXXX Term Length : Experian Experian 2 Year Payment CO CO CO CO CO CO CO CO CO CO CO History CO CO CO Account XXXX : XXXX Account Description : Individual Account Status : Derogatory Account Type : Open Account Balance Owed : {$1100.00} Credit Limit : {$0.00} Creditor Remarks : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Unknown - credit extension, review, or Creditor Type : collection Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$1100.00} Last Payment : - Past Due Amount : {$1100.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : 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