Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Georgia XXXX Date of Birth : XXXX Social Security XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XX/XX/XXXX 2nd Letter to Remove Inaccurate Credit Information To Whom It May Concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original credit application on file. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. Also, tell me why didnt you send me copies of the verification like I asked you to? 

As I am sure that you are well aware, current case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation that you have on file that is required under Section 609 & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this 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 or deleted immediately. 
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I received a copy of my credit report and found the following item ( XXXX ) to be errors. Here as follows are items in error : the following addresses are reporting incorrectly and must be removed immediately XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX PA XXXX The following spouse is reporting incorrectly and needs to be removed immediately XXXX XXXX The following aliases are reporting incorrectly and need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 

The following account needs to be removed immediately : Creditor Name : XXXX XXXX  XXXX XXXX  Account Number : XXXX Explanation- pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 


The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 

The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 

The following account needs to be removed immediately : Creditor Name : XXXX XXXX  Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 


The following account needs to be removed immediately : XXXX XXXX : XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 

The following account needs to be removed immediately : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 
The following account needs to be removed immediately : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 
The following account needs to be removed immediately : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 
The following account needs to be removed immediately : Creditor Name : DEPARTMENT OF EDUCATIONXXXX  Account Number : XXXX, XXXX, XXXX, XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 

The following account needs to be removed immediately : XXXX XXXX : XXXX Account Number : XXXX XXXX : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 
The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX, XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. 




By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX 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