Experian Credit Reporting Complaint

Experian Credit reporting department,

Credit reporting company's investigation Inadequate help over the phone California

I contacted and submitted a dispute validation letter to Experian and BY LAW Experian must receive the original document from the company i am disputing to validate the debt. And if it is not validated by Experian, even if the creditor does not delete it, Experian must delete it. They told me they are not requesting documents. The guy told me if the creditor replies back and says its validated, they will not remove it. THEY ARE NOT FOLLOWING THE LAW. Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). They are leaving it up to these scam collection agencies to validate the debt. I asked to speak to a Supervisor and he refused to let me speak to -. He placed me on a long hold and said he was letting me speak to a supervisor but sent me to a voicemail. I called back and this girl also refused to let me speak to a supervisor. She placed me on hold, came back and she said the manager said she already spoke to me and said contact the creditor!!!!!!!!! i told her i did not speak to anyone, she placed me on hold and said, my manager has left and she can schedule a call back. She said her name was - and her team name was -. i am so disgusted with Experian. and they are suppose to be a Government Agency! I want the letter I sent to Experian, lawfully and correctly handled.