Consumer complaint received 2024-07-01 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: NC

Complaint narrative:
Experian you are in CLAER VIOLATION OF THIS LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy THE LAW CLEARLY STATES : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
PLEASE PROVIDE THE NAMES, ADDRESSES, AND TELEPHONE NUMBERS OF EACH PERSON YOU CONTACTED REGARDING THAT XXXX XXXX XXXXXXXX XXXX HAS SENT ME A CERTIFIED LETTER STATING THEY ARE A DEBT COLLECTOR ATTEMPING TO COLLECT A DEBT OR A ORAL RECORDING STATEMENT OF MY VOICE STATING THE SAME. YOU HAVE NOT PROVIDED ME PROOF OF THIS INFORMATION WHICH MAKES YOU IN VIOLATION OF THIS LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy STILL REPORTING INACCURATE INFORMATION AFTER A REINVESTIGATION WITH NO PROOF OF HOW YOU VERIFIED THIS INFORMATION. ANY AUTOMATED RESPONSE OR XXXX XXXXXXXX VERIFICATION IS UNACCEPTABLE. I AM REQUSTING A REINVESTIGATION AND YOUR METHOD OF VERIFICATION. 

This company XXXX XXXX XXXX XXXX is STILL in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX XXXX is reporting inaccurately. XXXX has already removed this account off my credit report which makes EXPERIAN in violation of the FCRA still reporting this inaccurately Account on my 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