Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
To begin, I make this request for myself and by myself without the current assistance of an attorney or other aiding organization. My account with the Consumer Protection Bureau is directly linked to my personal email account that I have had for over 10 years. I am a well educated individual who is very aware of my rights as a consumer. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the information provided on XX/XX/2017 within 14 days of this request. 

I make this request because I find it very unlikely the aforementioned creditors have legally verified the information. This is due to the fact that I have directly requested supporting documentation proving I owe the balances they are demanding and they have failed to produce any evidence. In some instances I know the balances are grossly misrepresented. In some instances I am completely unaware of where the account originated from. Despite being unable to validate the information they are still reporting the inaccurate information. Which is why I am placing the burden of accuracy onto Experian, a right the Fair Credit Reporting Act affords me. 

Although, it is not Experian 's obligation to mitigate disputes between consumers and data furnishers, it is Experian 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; data furnishers can not report information that they can not validate to me, the consumer after I have requested it. This letter is advising you that the companies have not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the blind continuation of reporting their furnished information. 

At a minimum I need a detailed description of how the information was verified. Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I XXXX and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me or fail to provide a detailed description of how this information was verified, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.

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