Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correct. You are in violation Of 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( ii ) Removal of Inaccurate/Invalidated Credit Information . Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and they never sent me and evidence supporting my dispute to resolve any issues. 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 original wet 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 I 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 do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!

Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.

Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. The Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.

The following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 1. Agreement with your client that grants XXXX XXXX XXXX XXXX XXXX  the authority to collect this alleged debt. 
2. Original wet ink Signed agreement Debtor has made with XXXX Collector, or another verifiable proof Debtor has a contractual obligation to pay a XXXX collector. 
XXXX. Any agreement that bears the original wet ink signature of XXXX, wherein agreed to pay XXXX. 
4. All statements while this account was open. 
5. Have any insurance claims been made by any creditor regarding this account?

O Yes O No 6. Have any Judgements been obtained by any creditor regarding this account? 
O Yes O No 7. Please provide me the name and address of the bonding agent for XXXX XXXX XXXX XXXX XXXX, in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 
Accounts : 1. XXXX XXXX XXXX Account Number : XXXX & XXXX This Account is Inaccurate & I'm seeking litigation please delete it immediately. 

2. XXXX XXXX Account Number : XXXX This Account is Inaccurate & I'm seeking litigation please delete it immediately. 

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). 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 ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions. 

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