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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Notice of Pending Litigation Seeking Relief and Monetary Compensation Under FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

Dear Sir/Madam, I am writing to formally dispute and address the continued violation of the Fair Credit Reporting Act ( FCRA ) by your organization, Experian. Despite my previous attempts to rectify the matter, you have failed to delete inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final written offer of settlement before pursuing litigation to seek relief and monetary damages under Section 616 and Section 617 of the FCRA, should the mentioned items not be promptly deleted. 

It has come to my attention that you are in direct violation of the FCRA, as the unverified items listed below still remain on my credit report, in clear disregard of federal law. As per the FCRA, you are obligated to maintain a copy of the original creditors ' documentation to verify the accuracy and ownership of the reported information. Despite your claim of verifying these accounts, you have failed to provide me with any original documentation or the required method of verification, as mandated under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), and Section 611 ( a ) ( 7 ). Moreover, according to Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete information that can not be verified. 

The following accounts are in violation of the FCRA, and I demand their immediate removal from my credit report : 1. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

2. XXXX  XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

3. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

4. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. 

5. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

6. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

7. XXXX XXXXXXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

8. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

9. XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 

10. XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

11. XXXX XXXX Account Number : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

12. 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. 

13. The following personal information is incorrect DATE OF BIRTH : XXXX 14. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

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

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

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

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

29. 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. 

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

31. 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. 

32. 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. 

33. 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. 

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

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

36. 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. 

37. 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 XXXX, MN XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX 40. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 41. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX 42. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MN XXXX 43. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX 44. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 45. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MN XXXX 46. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 47. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MN XXXX 48. The following personal information is incorrect EMPLOYER : XXXX XXXX 49. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 50. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MN XXXX 51. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MN XXXX Failure to comply with this request within 30 days, as mandated by Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), may result in legal action seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. 

Please be aware that I do not consent to e-Oscar or any form of automated verification. Additionally, I request that you provide a detailed description of the procedure used to determine the accuracy and completeness of the information within five days of completing your re-investigation. 

I expect a prompt and satisfactory resolution to this matter. Failure to respond adequately within the stipulated timeframe will leave me with no choice but to pursue legal action against your company. Please consider this letter as my final attempt to settle the dispute amicably. 

I look forward to your immediate attention to this matter. 

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 explanation