Consumer complaint received 2017-05-08
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: Investigation took more than 30 days

Complaint:
On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows 30 Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals of fice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.   XXXX   XXXX   XXXX  ,  XXXX .  XXXX  ( C.D.Cal.   XXXX   XXXX   XXXX   ), you  may be l iable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for  : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1. Chapter  XXXX  Bankruptcy 2.Judgement   XXXX   XXXX   3. Judgement   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  5.   XXXX   XXXX   XXXX    6.   XXXX   XXXX    XXXX  7.   XXXX   XXXX   XXXX   XXXX     XXXX  8.   XXXX   XXXX   XXXX   XXXX 9.   XXXX   XXXX     XXXX    10.   XXXX   XXXX     XXXX   11. XXXX    XXXX   12.   XXXX   XXXX   XXXX    XXXX  13. F  XXXX   XXXX    XXXX  14.   XXXX   XXXX   XXXX   XXXX     XXXX .  Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX. Y ou are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The Chapter  XXXX  Bankruptcy and the Judgements CAN NOT be verified due to the fact that in your verification, it is impossible, unless you file a motion to the court, to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name. The court does not provide any information to the credit reporting agencies or third party data furnishing companies.

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