Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
609 Letter URGENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete created information. This is my 3rd time reaching out to you. I've done thorough research on the FCRA and FTC Laws. 

I am distressed that you have included the information below in my credit report and that you have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completey accurate and corrected. The following information therefore needs to be re-investigatged and REMOVED ASAP. I have already informed my lawyer of this matter. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed contract, any and all accounts that you post on credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$88000.00} In good standing XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX + {$4100.00} XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$11000.00} In good standing XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$15000.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$11000.00} In good standing TXXXX  Reported : XXXX XXXX, XXXX + {$1000.00} In good standing XXXX Reported : XXXX. XXXX, XXXX + {$0.00} In good standing XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$240000.00} In good standing Hard Inquiries XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX BANK XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX BANK XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}. 

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ XXXX {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees. 

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there. 

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again. 

Please note that this letter is being sent by both fax ( for expedition ) and certified mail ( for proof of receipt ) and, just like the previous correspondences between you and I, will be tracked and may be used against you. Your response to this letter is urgent and humbly requested within the next 15 days. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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