Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX XXXX am a victim of identity theft. I have disputed the following fraudulent accounts and fraudulent address below on XXXX different occasions. 

Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fraudulent address XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft please remove it from my report. 
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX XXXX Account Number : XXXX I am a victim of identity theft please remove it from my report. 


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 willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 
Despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them? 

As previously pointed out to you, XXXX XXXX XXXX, XXXX XXXX, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of the 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 that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. 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 account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can not legally Verify the accuracy of any of the disputed accounts. Please be advised that under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Due to your continued willful disregard of the law, 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 within15 days.

8583436.1.3-6 A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the C
onsumer Financial Protection Bureau ( CFPB ). They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement.

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. 
In order to avoid legal action, I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted : My consumer protection attorney and I will be filing a lawsuit in federal court against Experian. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian has failed to uphold the FCRA and we are intending to file our claim in 7 business days from today under the pretenses and violations of the FCRA by Experian 1. Experian refuses to correct information on your credit report after being provided with proof ( i.e. a dispute letter and supporting documents ), I can sue Experian for defamation and willful injury. ( FCRA Section 623 ).

2. Re-aging an account is a violation of the FCRA ( Sec. 605 ) Experian has changed the date of last activity on my credit report with the intention of keeping negative information on your account longer.

3. Experian has reinserted a removed item from my credit report without alerting me in writing within five business days, I am suing Experian for violating FCRA Part ( A ) ( 5 ) ( B ).

4. Experian has failed to reply to my written disputes within 30 days ( sometimes 45 depending on the circumstances ), Experian has violated FCRA Section 611 Part ( A ) ( 1 ).?

5. I submitted a formal dispute, contacted Experian and the creditor, and after 30 days there is no response and/or correction. 

The following individuals will be named in our lawsuit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Operating 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