Consumer complaint received 2017-11-12 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: TX

Complaint narrative:
I send a certified letter to the company and they refused to investigate my request listed below. I have already filed a complaint with the Texas Office of the Attorney General. 
I listed below the request I send to the company and I included proof as well. 

Please be advised that you are in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts. 

I am writing to advise you that you are in violation of Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act. I will file a complaint with the Texas Attorney General Consumer Complaint Division as well as the Consumer Financial Protection Bureau if theses collection accounts listed below are not deleted. I request the immediate removal of these tradelines from the credit report, as you and the original creditor have violated the aforementioned. 

I am maintaining a careful record of my communications with you for the purpose of seeking remedies provided to me under both state and federal laws should you continue in your non-compliance under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, Texas Finance Code Section 392 and the Deceptive Trade Practices-Consumer Protection Act. I further remind you that you may be liable for your willful non-compliance. 

These accounts listed below are in violation of Texas Finance Code Section 392.301 ( a ) ( 4 ) of Texas Finance Code. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. 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 Office Cc : Better Business Bureau

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