Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: LA
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:
Your Name XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX CREDIT REPORTING AGENCIES- EXPERIAN XXXX AND XXXX Please be advised that this is my ELEVENTH WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 11th dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

also asked you to me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

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. '' I request that you do this 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 full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 


1. Name of Account : XXXX XXXX XXXX Account Number : XXXX Provide Physical Proof of Verification Unverified account Factual dispute violation 15 usc 1681 e and Metro 2 XXXX XXXX XXXX Account charged off. {$480.00} written off. {$480.00} past due as of XXXX XXXX charged off account can not reflect a past due balance this is a violation of the FCRA laws and requirements this account is also reflecting different payment history Experian reports negative payment history meanwhile XXXX does not report history which also violates 15 usc 1681 ( failure to report complete and accurate information ) this is also manipulating the statue of limitations on this debt by reporting payment history on a closed and charged off account XXXX. Name of Account : XXXX XXXX XXXX Account Number : XXXX Provide Physical Proof of Verification Unverified account Factual dispute violation 15 usc 1681e and Metro 2 XXXX XXXX XXXX  Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. A charged off account can not reflect a past due balance this is a violation of the FCRA laws and requirements 15 usc 1681 ( privacy and failure to report complete and accurate information ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( my information was also fraudulent sold to another company ) XXXX another third party has also contacted me to make payment to them for this debt that is being reported XXXX XXXX this is also manipulating the statue of limitations on this debt by reporting payment history on a closed and charged off account 3. Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Proof of Verification Unverified account Factual dispute violation 15 usc 1681 e and Metro 2 compliance regulation Status Account charged off. {$3400.00} written off. {$4000.00} past due as of XXXX XXXX.A charged off account can not reflect a past due balance this is a violation of the FCRA laws and requirements this account is also reflecting different payment history Experian reports negative payment history meanwhile XXXX does not report history which also violates 15 usc 1681 ( failure to report complete and accurate information ) this is also manipulating the statue of limitations on this debt by reporting payment history on a closed and charged off account 4. Name of Account : XXXX XXXX XXXX Account Number : XXXX Provide Physical Proof of Verification Unverified account Factual dispute violation 15 usc 1681 e and Metro 2 compliance regulation Status Collection account. {$4000.00} past due as of XX/XX/XXXX. 
Fraudulent charges and fees was added to manipulate the account balance, contract terms and dates are not valid and was added to manipulation the statute of limitations privacy was also violated as original creditor sold my information to the company without my written consent violation of 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. there are multiple agencies attempting to collect this debt XXXX XXXX XXXX  original creditor Sold to third party XXXX XXXX XXXX then sold to another third party XXXX XXXX XXXX firm

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