Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I have verified my personal information on more than one occasion. I have sent in all requested documentation. I have yet to hear anything back. 
To whom it may concern this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C*1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 
Where are the documents that you used to verify these accounts? 
What is the name of the person in your company who verified these accounts? What documents did they use to verify these accounts? 
Please provide me with the names of the individuals, their business address, and telephone number and documentation they used to verify. 

Blacks Law Dictionary, 9th edition, 2009, defines Verify as, 1 ) To prove to be true : to confirm or establish the truth or truthfulness of : to/ authentic 2 ) To confirm or substantiate by oath or affidavit : to swear to truth of and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or disposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the accounts in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against. 
Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have firsthand of the alleged accounts and all that has ever transpired for the alleged accounts, under oath and under the penalty of perjury. As I am sure that you are well aware, current federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from their sources. The courts have also ordered that a Reinvestigation that merely shifts the burden back to consumer and the credit grantor can not fulfill the obligations imposed by *1681 ( a ) ( 4 ). 

You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts 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 ( monetary remedies ) available to me for negligent noncompliance PER violation ( section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I have asked for the validity of the accounts and no one has sent anything. If its collections I have asked the CRA on numerous occasions to investigate this matter properly and to no avail have I received any information regarding the re-investigation which is also a violation of my consumer rights. I am asking them to stop infringing upon my rights to privacy and fair and accurate reporting. 

On removal of the below accounts please send me an updated and corrected copy of my credit report. 

-Incorrect address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX fl XXXX -Hard Inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : XXXX. XXXX, XXXX Personal Loans XXXX XXXX XXXX XXXX : XX/XX/XXXX Automobile XXXX XXXX XXXX : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Auto Financing -CLOSED ACCOUNTS XXXX  XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX  XXXX {$380.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX Please provide me the validation for all re-investigations for all information.

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