Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : Violation of United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

Dear Experian, I am writing to address your ongoing violation of the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final written offer of settlement before litigation, as I am seeking relief and monetary compensation as provided under Section 616 and Section 617 of the FCRA. Failure to comply with this settlement offer will result in the submission of a formal complaint to the Federal Trade Commission and may lead to pending litigation, utilizing this letter and previous correspondence as evidence.

It has come to my attention that you are in direct violation of the FCRA, as the following unverified items remain on my credit report, contrary to the provisions outlined in the Federal Law. According to the FCRA, you are required to possess the original creditors ' documentation to verify the accuracy and ownership of this information. Despite your claims of verification, you have failed to provide any original documentation, including a consumer contract bearing my signature, as mandated by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ). I must emphasize that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified. 

It is evident that your agency lacks a comprehensive understanding of the FCRA, considering the numerous errors present on my credit report. To ensure clarity, I would like to provide a breakdown of the Fair Credit Reporting Act : The Fair Credit Reporting Act is the primary federal law governing the collection, reporting, and sharing of credit information about consumers. It regulates how credit information is obtained, retained, and disclosed to consumers and other parties. 

A FCRA violation can occur when creditors furnish inaccurate financial information to reporting agencies, when reporting agencies mix up information between individuals due to similar names or social security numbers, or when agencies fail to follow dispute resolution guidelines. 

Under the Fair Credit Reporting Act, I am entitled to the following rights : Verification of the accuracy of my credit report when it is required for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
Dispute and correction of incomplete, inaccurate, and unverifiable information in my credit report. 
Removal of outdated, negative information after a specified period ( seven years in most cases, ten years in the case of bankruptcy ).

I demand the immediate deletion of the following items listed below, as they are either inaccurate, unverifiable, or invalidated. Their presence on my credit report has resulted in the denial of extended credit and has caused distress due to your agency 's errors. 

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 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 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 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 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 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 XXXX XXXX XXXX Please remove this inquiry from my credit report. 

Account involved in litigation, " an incorrect high balance, '' inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' undated late payment, a charge-off listed as open, a collection account with a limit : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inquiry from my credit report. 

Your failure to respond satisfactorily within 30 days of receiving this certified letter, as outlined in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), may result in legal action seeking {$5000.00} per violation. The violations include defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury.

I kindly request that you provide a description of the procedure used to determine the accuracy and completeness of the information within five days of completing your reinvestigation. I am documenting your actions and method of verification carefully. I do not consent to e-Oscar or any form of automated verification.

Please take note that depending on your response, I may publicly disclose any potential issues with your company through an online press release. This disclosure may include details of any potential small claims action. I have also lodged a complaint with the following organizations : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints 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 non-monetary relief