Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: IL
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:
Please be advised this is my THIRD WRITTEN REQUEST and THIRD COMPLAINT and FINAL WARNING that I fully 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 two written requests and two complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly First by XXXX XXXX, which was not the original creditor but whom also sent notice to me and I also provided in previous disputes and complaints, that they could not verify these accounts. See your result letter attached. Then it was no source could be provided but that it was simply VERIFIED, in the last complaint you claim a third party verified this. However you have NOT provided me a copy of ANY original documentation ( a consumer contract/court documents with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). In these cases the US Bankruptcy Court XXXX  Illinois is the original creditor. I have attached a  document from the originator of these accounts which states, that the bankruptcy court has not been in communication with Experian at all and have not been contacted by Experian at all. 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 and verified by the " original creditor ''. 

You are not even following the law in how you are supposed to have these alleged accounts listed. According to the Fair Credit Reporting act you must place a statement on the profile regarding the Dismissed bankruptcy, stating the bankruptcy that was withdrawn by the consumer before final judgement.

Also According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed item ( must be updated to reflect discharge ) in bankruptcy if it is a Chapter XXXX. Even if these accounts were correct they are not reflected according to the laws that govern you. 
These accounts MUST Be Updated/Verified and documentation must be mailed directly to me reflecting the following : 1. your verification from the originator with the original documents signed by me XXXX XXXX 2. identifying my FULL ( not partial ) social security number 3. Reflecting my full CORRECT address or any address on my credit profile associated with these accounts.

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.

I demand the following accounts be verified fully according to the federal law or deleted immediately.

1. XXXX XXXX. XXXX Thank You 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