Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 
6. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX

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 non-monetary relief