Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Case no. XXXX CFPB complaint To whom it may concern : this letter is in response to your recent claim regarding case number XXXX XXXX filed with the CFPB in which you claim all of the late payments are valid.

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.

As per FTC opinion letter from attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation.

Be aware that I am making a final goodwill attempt to have you clear up this matter the listed late payment items are inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing another complaint with the Consumer Financial Protection Bureau and the attorney general 's oice, mainly because of your pattern of mailing statements late and then extracting late fees habitually from your clients.

I further remind you that you may be liable for your willful non compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : defamation camera negligent enablement of an identity fraud, violation of the fair debt collection practices act including but not limited to section 807-8, violation of the fair credit reporting act including but not limited to section 623-b.

You will be required to appear in a court venue local to me in order to formally defend yourself.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC attorney general 's oice CC XXXX 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 non-monetary relief