Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: CA
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, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Experian, I am writing to you with reference to my consumer file, which still contains inaccurate, unverifiable, and invalidated information, despite my previous attempts to resolve this issue. This letter serves as my final offer of settlement before litigation in accordance with FCRA 15 U.S. Code 1681n, 15 U.S. Code 1681o, and 15 U.S. Code 1692k civil liability.

I demand that you delete the following INACCURATE ERRONEOUS ITEMS immediately to avoid further legal action : The following personal information is incorrect : ALSO KNOWN AS : XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XX/XX/XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX  CA XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XX/XX/XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation by not reporting 100 % accurate information. It lists the bankruptcy court as the furnisher which is forgery and misleading when the courts do not report this type of account. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

I remind you that your continued violation of the Fair Credit Reporting Act regarding your refusal to delete inaccurate, unverifiable, and invalidated information from my consumer file is in direct violation of federal law. You are required to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct, as well as to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified.

In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly. '' However, you have not provided me a copy of any original documentation, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Therefore, it is very obvious that your agency does not know what the FCRA is, because from the looks of my credit report and all the errors I see, you are disregarding it.

Please accept this offer of settlement before litigation as my attempt to amicably resolve this issue. I fully intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages if the inaccurate, unverifiable, and invalidated items listed above are not deleted immediately. A copy of this letter, as well as the inaccurate erroneous items 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.

I would appreciate your immediate attention to this matter, and I thank you for your cooperation. 

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 non-monetary relief