Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to correct or delete UNVERIFIED information from my consumer file. I intend 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 are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three 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 investigations, you stated in writing that you verified that these items are being reported correctly. I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Experian who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my original 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 or CORRECT 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 CORRECTED or DELETED immediately : XXXX XXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED SELF XXXX XXXX XXXXXXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX CORRECT TO : NEVER LATE XXXX PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX XXXXXXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED

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