Consumer complaint received 2023-03-01
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:
XXXX XXXX XXXX XXXX XXXX ct XXXX XXXX Florida XXXX XXXX DOB : XXXX Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the -CRA to have properly vertied the accuracy of an account listed on my credit report. in the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctiv Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? 
Please provide me with the name of that individual. their business address. and telephone number. 
Black 's Law Dictionary, 9th Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or aflidavit : to swear to the truth of. '' and " Verification '' as. " Confirmation of correctness. truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verIfication is to assure good faith in averments or statements of a party " What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in aspure belong to me and the inrormation being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts ) and all that has ever transpired for the alleged accounts ), under oath and under the penalty of periury. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting AgencIes bear grave responsioilities to ensure the accuracy or the accounts they report on and their responsibilitv must consist or something more than merelv parroung information recerved from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts 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 vou fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX Unverified

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