Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Report Number : XXXX Date Generated : XX/XX/XXXX Account # XXXX Account Name XXXX XXXX XXXX To whom it may concern : Please be advised this is my THIRD WRITTEN REQUEST 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, 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? 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.

I demand the following accounts be verified or deleted immediately. 

XX/XX/XXXX This is the third time that Experain has claimed to verify/validate this account. Every time the account comes back updated eventhough, I asked you on multiple occasion to delete the inaccurate, falsely reporting account. In the letters attached you will me disputing this account and asking for your method of verification, which I have never received as well as " verifiable proof '' which i also never received. I'm not playing this little game anymore. THIS IS A DEMAND YOU REMOVE THIS ACCOUNT FROM XXXX XXXX IMMEDIATELY. 
Please provide the following : -Who verified these accounts ( name, number, time and date .... now ) -Funny this account verified but the account was never updated to show disputed by consumer and still doesn't.I currently have a direct dispute going on with XXXX XXXX through CFPB to prove so. FCRA VIOLATION -I have certified mail receipts and Return receipts to prove you received these letters. 
- On top of the information I received that does not correlate with the any update of the account you claim you have made. 
- If you verified this account how come the status update date didnt change like its supposed to. It lists XX/XX/XXXX which was 5 or 6 disputes ago. FCRA VIOLATION - Inaccurate Date of last payment ( reports show XX/XX/XXXX, XX/XX/XXXX but the paperwork I received shows XX/XX/XXXX ). Remove this account immediately due to inaccuracies this account is unverifiable. 
- Dates still are inaccurate - You did not verify this account as requested nor did you verify it according FCRA/FDCPA standards, therefore you are in direct violation, at this point this can be considered wilful non-compliance

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