Consumer complaint received 2024-09-06 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: MO

Complaint narrative:
On XX/XX/2024 I requested of the three credit bureaus for there method of verification into an account I was disputing as they were reporting that the account was reporting accurately after completing there investigation. The account in question is called XXXX. More than 30 days later they have failed to produce the document requested and this is a clear violation of the Fair credit reporting act. If they claim that an account is reporting accurately then it should be easy for them to provide there method of verification. I asked them who they spoke to concerning this dispute and that persons name. The time, date and the methods by which they spoke to this person. I asked for documentation proving that I am legal owner of the debt and documents that I signed showing that I am the legal owner of this debt but to this date no such information has been provided. 
I asked for documents showing that I attended the XXXX XXXX XXXX XXXX and the courses that I did there and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
To this date I have not been provided with such information as they can't provide such information as I never did any courses or assignments at the XXXX XXXX XXXX XXXX so why should I be asked to pay {$2200.00} for some thing that I didn't do. 
There is a procedure that credit bureaus should follow when they are asked for there method of verification and they are unable to provide it. According to the Fair Credit Reporting Act if the credit bureau is unable to provide there method of verification then they should delete that account from the person 's credit bureau. 
The credit bureau should abide by the following steps and procedure and a failure to do so is a violation of the Fair credit reporting act. None of the credit bureaus have followed the guidelines listed below : Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) outlines the procedures for the correction of inaccurate information on a credit report. Here are the key points : 1. Reinvestigation of Disputed Information ( 1681i ( a ) ) If a consumer disputes the accuracy or completeness of any information in their credit report, the credit reporting agency ( CRA ) must : Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

Complete the reinvestigation within 30 days ( or 45 days if the consumer submits additional relevant information ).

Notify the furnisher ( such as a creditor ) of the disputed information within 5 business days of receiving the dispute.

If the CRA determines that the information is inaccurate or can not be verified, it must promptly : Delete or modify the disputed information. 
Notify the furnisher of the modification or deletion.

2. Providing the Results to the Consumer ( 1681i ( a ) ( 6 ) ) After completing the reinvestigation, the CRA must provide the consumer with : The results of the investigation.

A revised copy of the credit report, if any changes were made.

A statement that the consumer can request the " method of verification. '' 3. Method of Verification ( 1681i ( a ) ( 7 ) ) Upon request from the consumer, the CRA must provide a description of the procedure used to determine the accuracy and completeness of the disputed information, including : The contact information of the furnisher ( the organization that provided the information in dispute ).

Details of how the information was verified. 
4. Deletion of Information if Not Verified ( 1681i ( a ) ( 5 ) ) If the CRA can not verify the disputed information, it must delete it from the consumer 's credit file. 5. Notice of Reappearance ( 1681i ( a ) ( 5 ) ( B ) ) If previously deleted information is reinserted into the credit report after
reinvestigation, the CRA must notify the consumer within 5 business days and provide the reasons for its reinsertion.

6. Liability for Non-Compliance If a CRA fails to comply with these requirements, the consumer may have grounds to pursue legal action for damages. Under the FCRA, consumers can recover actual damages, statutory damages, and attorney fees for willful non-compliance. 

These provisions are designed to protect consumers by ensuring that the credit reporting system is accurate and transparent. 

So, kindly delete XXXX from my credit report immediately due to the above mentioned violations and the account with XXXX is not mine and I am a victim of identity theft.

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