Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: CA
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, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Experian, I am writing to inform you of your violation of the Fair Credit Reporting Act ( FCRA ) regarding your refusal to remove inaccurate, unverifiable, and invalidated information from my consumer file. You are in direct violation of the FCRA, and 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 INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. 

Under the FCRA, you are required 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. However, 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. 

I demand that you delete the following items from my credit report immediately, as they are either INACCURATE, Unverifiable, or Invalidated. I recently applied for extended credit and was denied. I am in distress because of your mistakes. 

Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

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

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

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

The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX CA XXXX The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, CA XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

Failure to comply with this request will result in further action. If these items are not deleted immediately, 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. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA. 

Thank you for your prompt 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