Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # : XXXX | Date of Birth : XXXX  RE : Violation of United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance, 15 U.S. Code 1681o Civil liability for negligent noncompliance, and 15 U.S. Code 1692k civil liability. 

Dear Experian, I am writing to you to address your continued violation of the Fair Credit Reporting Act ( FCRA ) and to offer a final settlement opportunity before pursuing litigation. It is my intention to seek relief and recover monetary damages under Section 616 and Section 617 of the FCRA if the following inaccurate, unverifiable, and invalidated information is not promptly deleted from my consumer file. This letter, along with the previously sent inaccurate items, will also serve as evidence in a formal complaint to the Federal Trade Commission should you fail to comply with this settlement offer. 

As you are aware, you are in direct violation of the FCRA by maintaining unverified items on my credit report. The FCRA mandates that you possess the original creditors ' documentation to verify the accuracy and ownership of this information. Despite your investigations, you have not provided me with any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). According to Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to " promptly delete all information which can not be verified. '' It has become evident that your agency lacks knowledge of the FCRA, considering the errors present in my credit report. To clarify, the Fair Credit Reporting Act is the primary federal law governing the collection, reporting, and sharing of credit information about consumers. It outlines rules on obtaining, retaining, and disclosing credit information. 

A violation of the FCRA may occur when creditors provide inaccurate financial information to reporting agencies, when reporting agencies mix up information due to similarities in names or social security numbers, or when agencies fail to handle disputes appropriately. 

Under the FCRA, I have the following rights : The right to verify the accuracy of my credit report when it is required for employment purposes. 
The right to receive notification if information in my file has been used against me in credit applications or other transactions. 
The right to dispute and have bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report. 
The right to have outdated, negative information removed after the specified time limits ( usually seven years, ten years in the case of bankruptcy ).

I demand the immediate deletion of the following items from my credit report due to their inaccuracy, unverifiability, and invalidation. Their presence has negatively impacted my recent credit application, causing distress as a result of your mistakes : XXXX Account Number : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand its removal. 

Incorrect personal information : DATE OF BIRTH : XXXX Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : CURRENT ADDRESS : XX/XX/XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Incorrect personal information : PREVIOUS ADDRESS : XX/XX/XXXX Violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) - this account is inaccurately reported with the bankruptcy court as the furnisher, which is misleading and constitutes forgery. Please remove it from my credit report. 
XXXX  XXXX Bankruptcy Case Number : XXXX Unauthorized inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Unauthorized inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Unauthorized inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XX/XX/XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XX/XX/XXXX Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Unauthorized inquiry : XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Unauthorized inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Unauthorized inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Incorrect personal information : NAME : XXXX XXXX XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Unauthorized inquiry : XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

Unauthorized inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By failing to comply with federal law, you expose yourself to the civil liabilities outlined in 15 U.S. Code 1681n. I am fully prepared to pursue litigation to enforce my rights under the FCRA. 

As per Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you have 30 days to complete this investigation. I request that you provide the description of the procedure used to determine the accuracy and completeness of the information within 5 days of completing your re-investigation. Please note that I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receiving this certified letter may result in a small claims action seeking {$5000.00} per violation, including but not limited to : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please be aware that depending on your response, I may share any potential issues with your company through an online public press release, including documentation of any potential small claims action. Copies of this complaint will be sent to the organizations listed below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G. Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Sincerely, 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 explanation