Consumer complaint received 2024-02-02 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: PA

Complaint narrative:
To whom it may concern, Iam submitting my formal complaint against Experian. Experian has stated the disputed account has been verified but refuses to provide me with physical proof of verification and the validity of the account. These actions are a violation of 15 USC 1681 sec 609 ( a ) ( 1 ) ( A ), and Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. Without proof and the validity of an account anyone paying for Experian reporting services could fax, mail or email in any form of fraudulent inaccurate account. According to 15 USC 1681e-compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting accounts on a consumer report without lawful verification is the exact opposite of following reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Reporting false information is unethical and it is defamation of character. I have included a certified copy of my Secretary of State of Pennsylvania UCC11 search record which is certifiable proof that I owe NO FINANCIAL INSTITUTION. It is clear to me that the consumer reporting agency has not verified the alleged account. Experian is merely puppeting information from their E-Oscar system WHICH IS NOT METRO 2 COMPLIANT. These actions are aiding in the violation of several laws.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. AS STATE BEFORE I HAVE ATTACHED A CERTIFIED COPY OF MY UCC11 REPORT WHICH IS CERTIFIABLE WITNESS THAT I OWE NO FINANCIAL INSTITUTIONS.SO THE CONTINUING OF THE REPORTING OF THIS INACCURATE INFORMATION IS A VIOLATION OF 15 USC 1681e IN ADDITION TO THE VIOLATION OF 15 U.S. Code 6801 - Protection of nonpublic personal information ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. This has gravely impacted me and my family 's mode of living.IN CONCLUSION, EXPERIAN HAS NOT PROVIDED ANY PHYSICAL PROOF OF THE ACCURACY OF THIS ACCOUNT. THEIR ACTIONS ARE RESULTING IN A VIOLATION OF SEVERAL LAWS. -- -- -- -- 15 USC 1681S-2/ 15 USC 6801/ 15 USC 1681e/ Rule 1002.Requirement of original AND 15 USC 1681 section 609 ( a ) ( 1 ) 9A ).

I HAVE ATTACHED A CERTIFIED COPY OF MY UCC11 REPORT FURNISHED BY THE SECRETARY OF THE STATE OF PENNSYLVANIA. THIS DOCUMENT CERTFYS THAT IAM NOT INDEBT TO ANY FINACIAL INSTITUTON. IAM LITIGIOUS CONSUMER AND ALL CORRESPONDING DOCUMENTS WILL BE USED IN LITIGATION SUIT FOR DAMAGES AND DEFAMATION OF CHARACTER.I DEMAND THE LISTED ACCOUNTS BE DELETED. 
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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