Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation. and ( modify or delete ) the disputed information as I requested before the end of 30-day period on the date on which you received my dispute complaint. ( XXXX XXXX XXXX  ). Instead of sending me a response letter with my results of your investigation of the disputed information you closed out my complaint still with no resolution. 

XXXX {$0.00} ( NOT MINES, NEVER APPLIED FOR THIS ) SECURITY CREDIT SERVICES {$550.00} ( past due dates don't match, term dates, opened dates ). No contract provided in written with my wet sign signature. 

XXXX XXXX Account over 8 years and showing past due on a repossession, balances don't match and payment history. No written contract provided with my wet signature. 

Names not corrected. My name is XXXX XXXX XXXX, XXXX XX/XX/XXXX and only address is XXXX XXXX XXXX. I have requested several times to have this updated. Also to remove any old telephone numbers Clearly, you have willfully failed to modify or delete the disputed information as i requested. In lieu of modifying or deleting the disputed information, you willfully failed to conduct a reasonable investigation of my disputes because it meets FRCA guidelines. 
However, your excuse or assumption is not a valid reason under the FRCA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irritant. Nor have you sent me a notice of such determination that complies with the FRCA. Furthermore, I directly disputed the completeness and /or accuracy of information contained in my consume file as per the FRCA. Your failure to reinvestigate is an intentional and /or negligent FRCA violation. 

As a result of you conduct as described above, you shall promptly ( modify or delete ) the disputed information. Additionally, as per the FRCA, you are liable to me for damages for you conduct. Thus, in addition to you ( modification or deletion ) of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. According to 15USC 1681N 9 ( A ) ( 1 ) any actual damages sustained by the consumers a result of the failure or damages of not less than {$1000.00} per violation. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within ( 14 days ) days. ( 1 ) ( modify or delete ) the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address above. 

Sincerly, XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief