Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upgrade to a smarter XXXX XXXX Starred Notice of pending litigation seeking relief and monetary damages under fcra section 616 and section 617Please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the Fair credit reporting act regarding your refusal to delete unverified information from my consumer file. I attend to pursue litigation in accordance with the fcra to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately. A copy of this letter as well as copies of the of the three written letters sent to you previously will also become part of a formal complaint to the Federal trade commission and shall be used as evidence and pending litigation provided you fail to comply with this offer of settlement despite three written requests the unverified items listed below still remain on my credit report in violation of federal law. You are XXXX XXXX XXXX tome 1 day ago Details Notice of pending litigation seeking relief and monetary damages under fcra section 616 and section 617Please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the Fair credit reporting act regarding your refusal to delete unverified information from my consumer file. I attend to pursue litigation in accordance with the fcra to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately. A copy of this letter as well as copies of the of the three written letters sent to you previously will also become part of a formal complaint to the Federal trade commission and shall be used as evidence and pending litigation provided you fail to comply with this offer of settlement despite three written requests the unverified items listed below still remain on my credit report in violation of federal law. You are required under the fcra to have a copy of the original creditors documentation on file to verify that this information is my and is correct. In the results of your investigations you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Further more you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). Please be advised that under section ( 5 ) ( A ) of the fcra- you are required to properly delete all information which can not be verified.The law is very clear as to the civil liability and the remedy available to me ( 616 and 617 ) if you fail to comply with Federal law. I am a litigence consumer and fully attend on pursuing litigation in this matter to enforce my rights under the fcra.I demand the following accounts to be verified or deleted XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX you! 

Notice of pending litigation seeking relief and monetary damages under fcra section 616 and section 617 Please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the Fair credit reporting act regarding your refusal to delete unverified information from my consumer file. I attend to pursue litigation in accordance with the fcra to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately. A copy of this letter as well as copies of the of the three written letters sent to you previously will also become part of a formal complaint to the Federal trade commission and shall be used as evidence and pending litigation provided you fail to comply with this offer of settlement despite three written requests the unverified items listed below still remain on my credit report in violation of federal law. You are required under the fcra to have a copy of the original creditors documentation on file to verify that this information is my and is correct. In the results of your investigations you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Further more you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). Please be advised that under section ( 5 ) ( A ) of the fcra- you are required to properly delete all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( 616 and 617 ) if you fail to comply with Federal law. I am a litigence consumer and fully attend on pursuing litigation in this matter to enforce my rights under the fcra.

I demand the following accounts to be verified or deleted immediately. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you!

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