Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6198709

Complaint Overview

Complaint ID: 6198709

Company: Experian Information Solutions INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Georgia

ZIP Code: 30016

Date Received: 2022-11-13T12:00:00-05:00

Date Sent to Company: 2022-11-13T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Please be advised that this is my SECOND WRITTEN REQUEST asking Experian to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. Experian is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of Experians first re-investigation, Experian stated in writing that theyve verified that these items are being reported correctly. Where are the documents that Experian used to verify these accounts? What is the name of the person who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. What this means is that Experian must be willing and able to produce a document in their files that proves the accounts in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in Experian must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts and all that has ever transpired for the alleged accounts, under oath and under the penalty of perjury. As I am sure that Experian is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Experian have ignored request to provided me with the documents that they have in their files that were used to verify the disputed accounts which means that Experian have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. XXXX. XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Experian Information Solutions INC. Company Profile
• Credit reporting, credit repair services, or other personal consumer reports Complaints
• Problem with a credit reporting company's investigation into an existing problem Complaints
• Georgia Complaints
• Company Rankings
• Company Directory
• Search Complaints