Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is incorrect that is an error. My name is XXXX XXXX and you may have merged my credit file. Last time i used my credit was more than 10 years ago. It was clear and i was just getting out of high school. My credit file was clear with nothing on it and i find it to be weird that i have accounts and inquiries on my credit file. You have several address on my report which reporting incorrectly and inaccurately. I have never lived at those addresses on my report, the names, accounts and inquiries all isn't mine. I am making a final goodwill attempt to have you clear up this matter. The accounts and inquires you sent back verified are entirely inaccurate and fraudulent, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal 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. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 
All in all, you have ignored my request to provided me with the original documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly delete all information which can not be verified.

This law is as clear as daylight 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 : Account Name : XXXX XXXX. Account : {$10000.00} Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 
Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 
Account Name : XXXX XXXX XXXX Judgement/ XXXX XXXX County Civil Court . Case Number : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 
Account Name : Dept Of Education Account Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 
XXXX Loans : Reason : You failed to verify and validate all data for this account, every notation, dates and balances. You sent a generated letter stating it was verified and that is a lie which can cause you or anyone at your company jail time. I asked your company to send over verifying original documents of wet signatures baring my name. I received no response to that dispute. I was told that my dispute was closed and by law no one contacted me nor had the right to place any negative inaccuracy onto my credit file without my validation. That is completely breaking the law and violating my rights as a consumer. This account needs to be removed IMMEDIATELY via FACTA, FCRA section 609. 
Account Name : XXXX XXXX. Account Number : XXXX XXXX : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 
If your company, XXXX, XXXX, EXPERIAN fails to comply with federal regulations by credit reporting agencies, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp.,  No. 95-644XXXX ( C.D.Cal. XXXX XXXXXXXX XXXX ), you may be liable for your willful non- compliance. 
Failure to respond satisfactorily within 3 business days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, Internal dispute given only 3 business days to remove the fraudulent inaccuracies on the accounts and inquires listed here and above. 
Inquiries Fraudulent Equifax : 1. XXXX XXXXXXXX 2. XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX   8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX : 1. XXXX XXXX XXXX 2. XXXX XXXX. 3. XXXX XXXX XXXX : XXXX   : 1. XXXX XXXX 2. XXXX  3. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Bank XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 11. 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