Consumer complaint received 2024-08-29 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:
Experian has FAILED to fulfill the requrements under 15 U.S.C. 1681i ( 7 ) / 611 ( 6 ) ( B ) ( iii ) and totally didregarded this LAW because they have been sending me postcards that do NOT address the information I requested and if forced I understand I have a right to sue in a court of law entitling me to be compensated for the multiple violations committed by Experian.XXXX Days have past and that is a untimely violation committed by Experian! 
15 U.S.C.1681i ( 7 ) / ( 6 ) ( B ) ( iii ) A consumer reporting agency shall provide to a consumer a description of the investigation procedure. A consumer reporting agency shall provide to a consumer a description refered to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX  Days after receiving request from a consumer for that description. 
Where are the Procedures that I requested that led to the ( XXXX ) accounts listed in this communication to be VERIFIED after I disputed each one because I gave no CONSENT, PERMISSION or any WRITTEN INSTRUCTIONS to furnish any of the ( XXXX ) accounts to be placed on my Experian credit report as required under 15 U.S.C. 1681i ( b ) ( 2 ) / FCRA 604 ( a ) ( 2 )? 

Where are the names of the persons that you spoke to that I requested in accord with Section ( XXXX ) ( B ) ( iii )? 
Why does your agency continue to send me postcards ( XXXX XXXX ) that does not contain any of the information requested and is required for your agency to provide after receiving my Section ( XXXX ) ( B ) ( iii ) requests? 
I assure you that I will be willing to provide these silly postcards in a courtroom as exhibits. 
These accounts are disputed as per 15 U.S.C. 
168b ( a ) ( 2 ) and should be removed from my credit reports. 
I disputed these ( XXXX ) accounts via CFPB Portal. 
CFPB # XXXX on XX/XX/year> and at least XXXX have been verified as of today XX/XX/year>. 
Again, I am requesting the Procedures that led to the accounts to be disputed in the past and at any time in the future : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Additionally, I am a federally protected consumer and I am also requesting my Experian credit FILE in its ENTIRETY. I want everything and I do mean EVERYTHING that you have on me in my Experian credit file. 
Please do not confuse CREDIT FILE with a credit report. I want my CREDIT FILE in its ENTIRETY as well as the procedures that led to these ( XXXX ) accounts to be verified within 15 days according to LAW. I assure you that I am keeping very careful records and will sue Experian if I am forced to.

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