Consumer complaint received 2018-06-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote Experian on several occasions demanding that they verify or remove the below accounts.

Experian replied stating that Pursant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not reinvestigate the same dispute again at this time.

" Section 611 ( a ) 3 ( A ) states that : In general. Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irreleveant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. '' My claims are not " frivolous or irreleveant '' and if Experian would stop delaying my request then I would not have to take legal actions. In my previous letters I did not request a dispute of the accounts listed below. It clearly states in my previous letter that I am NOT disputing these items ... I also stated in my previous request that, I am demanding that they be removed if you can not provide me visual proof that I have signed contracts for these accounts.

They have continously stalled the process for my request. I was told by several agents that they do not have the persa documents in my file. Therefore they are willfully negligent and noncompliance based on Section 616 and 617.

Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   SSN : XXXX / DOB : XX/XX/XXXXTo Whom It May Concern : Please be advised this is my 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 previous written requests, 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?

Who verified these accounts?

Your letter on XX/XX/XXXX states that Pursuant to Section 611 ( a ) 3 ( A ) of the Fair Credit reporting Act, we will not investigate the same dispute again at this time. It clearly states in my previous letter that I am NOT disputing these items ... I also stated in my previous request that, I am demanding that they be removed if you can not provide me visual proof that I have signed contracts for these accounts.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 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. 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.

Thank you, XXXX XXXX XXXX Creditor : XXXX Account Number : # XXXX Creditor : XXXX Account Number : # 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