Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$230.00} XXXX contacted XXXX XXXX fraud department on XX/XX/XXXX. I spoke to the supervisor of the fraud department her name is XXXX the phone number to the department is XXXX. 
I ask the supervisor to verify the information that was on file and none of the information match my personal information. I told the supervisor that I have contact their company several times to notify them that this account was opened fraudulent. I have sent this company several certified letters stating that I didnt not authorize this company to obtain my personal payment information to open this account. None of the information this company has is valid. This is a violation of my consumer rights to report inaccurate information to my credit files. This company has also sold my information to a third party company by the name of XXXX. This company has contacted me several times harassing me over a fraudulent account. This is also a violation of my consumer rights. This company has 30 days to remove all inaccurate information from all of my credit credit files. 


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 intend 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 above are not deleted immediately. A copy of this letter as well as copies 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 in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items list
ed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have documentation on file to verify that this information is mine and is correct.

In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''.

I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. 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.

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