Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of written letters and copies of online disputes sent to you previously over a course of a year 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. 

Despite written requests, online disputes and phone calls, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have also sent a copy of this letter by certified mail to you. I have given Experian way to long to rectify my issue. You have 15 days from the date of receipt of this letter to fix my concerns.

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX # XXXX UNVERIFIED ACCOUNT XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT STATE TAX LIEN PUBLIC RECORD UNVERFIED ACCOUNT

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