Consumer complaint received 2023-05-17
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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Notice of Pending Litigation - FCRA Violations I am writing to inform you of your continued violation of the Fair Credit Reporting Act ( FCRA ) by failing to delete inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final offer of settlement before pursuing litigation under FCRA sections 15 U.S. Code 1681n, 15 U.S. Code 1681o, and 15 U.S. Code 1692k.

Despite previous disputes and investigations, the following items remain on my credit report, in violation of the FCRA. You have not provided the necessary original documentation to verify the accuracy of these items as required by the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Additionally, you have failed to provide the required method of verification under Section 611 ( a ) ( 7 ). It is your obligation, under Section 611 ( 5 ) ( A ) of the FCRA, to promptly delete any information that can not be verified.

I demand the immediate deletion of the following items from my credit report : XXXX. XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX, XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The following personal information is incorrect NAME : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Under FCRA sections 15 U.S. Code 1681n and 15 U.S. Code 1681o, your agency may be held liable for willful and negligent noncompliance. I am prepared to pursue legal action to enforce my rights under the FCRA.

You have 30 days to conduct a thorough investigation into the disputed items, as required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I request that you provide a description of the procedure used to determine the accuracy and completeness of the information within 5 days of completing your reinvestigation. I explicitly state that I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within the designated timeframe may result in legal action seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, FCRA violations, and financial injury. I urge you to address this matter promptly to avoid further legal consequences. 

Sincerely, XXXX 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