Experian Credit Reporting Complaint

Credit reporting company's investigation problem with statement of dispute

Experian Credit reporting department,

Credit reporting company's investigation Problem with statement of dispute California

I have been disputing several accounts with Experian for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Experian are violating my rights under this law. I sent out two separate letters to Experian and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. The disputed items are as follows : - - - opened -/-/- - - - - - - opened -/-/- - - - - - - opened -/-/- Collection Account : - - opened -/-/-

Experian customer in California
Mar 31, 2017

* Source: CFPB Complaint Database

Experian response to complaint:
Closed with explanation

Consumer disputes how Experian handled their complaint

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