Consumer complaint received 2017-11-09
Company: Experian Information Solutions Inc.
State: NC
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 accept this final written offer of settlement before litigation as my attempts to resolve XXXX XXXX and Experian 's willful violation of the Fair Credit Reporting Act regarding their refusal to delete all of the UNVERIFIED account information from my consumer file. I have disputed these accounts a few times within the last past 2 years and requested proof of the " verified '' information from all three companies. Despite my request, the unverified items listed below still remain on my credit report in violation of Federal Law and North Carolina 's statute of limitations which states " Section 1-52.1 of the North Carolina Rules of Civil Procedure explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. '' In the results of their re-investigations, they stated in writing that they " verified '' that the items are being reported " correctly ''. They still have not identified who in their company verified the accuracy of these accounts or how they verified them. According to XXXX 's Law Dictionary, 6th Edition 1990 defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of Truth of a matter of states and object of verification is to assure good faith in averments or statements of a party. What this means is that their company must be willing and able to produce a document that proves the account in dispute belongs to me and the information being reported is accurate and they must be able to do this in a court of law. Someone in these companies must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have first hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. Their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly " Verify '' the accuracy of the disputed accounts. After each verified result, the balance on the suppose account was updated on my credit report. Which mean the information may be inaccurate as well. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- THEY ARE REQUIRED TO " promptly DELETE all information which can not be verified and/or inaccurate. Due to their continued willful disregard of the law I intent 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 UNVERIFIED items listed below is not deleted within 10 days. The law is very clear as to civil liability and the remedy available to me ( Section 616 and Section 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in the matter to enforce my rights under FCRA. In order to avoid legal action, I demand that they delete the UNVERIFIED accounts immediately and provide me with a formal notice of the updated and corrected accounts.

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