Experian Credit Reporting Complaint

Credit reporting company's investigation no notice of investigation status/result

Experian Credit reporting department,

Credit reporting company's investigation No notice of investigation status/result Montana

Please be advised i have written - letters to Experian asking them to delete accounts that are unverified. Despite - written requests, the unverified items still remain on my credit report in violation of Federal Law. My understanding is, the FCRA requries them to have a copy of the original creditor documentation on file to verify that the information is mine and correct. In the results of thier first investigation and subsequent reinvestigations they stated in writing that they verified that the items are being reported correctly and that they will no longer investigate my accounts that I asked them to delete, if they are unverified. ( I listed what accounts they were. ) They have not provided me information who verified these accounts, they have not provided me a copy of ANY original documentation- ( a consumer contract with my signature on it ) as required unnder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 )


Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. I have listed the accounts that I asked to get verified multiple times, in - different letters, and they refuse to delete the accounts or provide me any method of verification, or my signature. I believe they are violating my Civil Rights! The accounts they refuse to remove are -, and - -

Experian customer in Montana
Nov 22, 2016

* Source: CFPB Complaint Database

Experian response to complaint:
Closed with explanation

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