Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX XXXX XXXX XXXX XXXX | Date of Birth : XX/XX/XXXX RE : Notice of Dispute and Violation of United States Code Law Dear Experian, I am writing this letter to formally dispute and bring to your attention the inaccurate, unverifiable, and invalidated information that remains on my credit report, as well as your violation of the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of the following items from my credit report, as they are in violation of the FCRA : XXXX Account Number : XXXX This account does not belong to me, and I have no record of it in my possession. I request the removal of this inaccurate information from my credit report. 

XXXX XXXX Account Number : XXXX This account does not belong to me, and I have no record of it in my possession. I request the removal of this inaccurate information from my credit report. 

XXXX XXXX Account Number : XXXX This account does not belong to me, and I have no record of it in my possession. I request the removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX  Account Number : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand its removal from my credit report. 

Incorrect Personal Information Date of Birth : XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX, CA XXXX Incorrect Personal Information Previous Address : XX/XX/XXXX Account involved in litigation : XXXX XXXX Account Number : XXXX Please remove it from my credit report. This account contains inaccurate information, such as an incorrect high balance, an inaccurate date of last activity, reaged accounts, reinsertion without proper notice, an undated late payment, a charge-off listed as open, and a collection account with a limit. I request the immediate deletion of this account. 

Account involved in litigation : XXXX XXXX Account Number : XXXX Please remove it from my credit report. This account contains inaccurate information, such as an incorrect high balance, an inaccurate date of last activity, reaged accounts, reinsertion without proper notice, an undated late payment, a charge-off listed as open, and a collection account with a limit. I request the immediate deletion of this account. 

Incorrect Personal Information Date of Birth : XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX, CA XXXX Incorrect Personal Information Previous Address : XX/XX/XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX, CA XXXX Incorrect Personal Information Account Number : Previous Address : XX/XX/XXXX Account involved in litigation : XXXX XXXX Account Number : XXXX Please remove it from my credit report. This account contains inaccurate information, such as an incorrect high balance, an inaccurate date of last activity, reaged accounts, reinsertion without proper notice, an undated late payment, a charge-off listed as open, and a collection account with a limit. I request the immediate deletion of this account. 

Incorrect Personal Information Employer : XXXX XXXX XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX, CA XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX, CA XXXX I would like to remind you that under the FCRA, you are obligated to have a copy of the original creditor 's documentation on file to verify the accuracy of the reported information. However, you have failed to provide me with any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). I want to bring to your attention that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified.

Your agency 's disregard for the FCRA is evident through the numerous errors present on my credit report. It is my right as a consumer to have accurate and verifiable information reflected in my credit report, especially as it impacts my financial opportunities. I recently applied for extended credit and was denied due to the mistakes on my report, causing significant distress. 

I must emphasize that the FCRA clearly outlines the civil liability and remedies available to me ( Section 616 & 617 ) if you fail to comply with federal law. As a litigious consumer, I am fully prepared to pursue litigation to enforce my rights under the FCRA.

Furthermore, I expect you to complete a thorough investigation within 30 days, as required by Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide me with a detailed description of the procedure used to determine the accuracy and completeness of the information, within 5 days of completing your reinvestigation. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within the given timeframe may result in a small claims action seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. 

Please be aware that, depending on your response, I may publicly disclose any potential issues with your company through an online press release, including documentation of any potential small claims action. Copies of this dispute letter and my complaint will also be forwarded to the relevant organizations mentioned below. 

CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints I expect your prompt attention to this matter. Please acknowledge receipt of this dispute letter within 5 days. 

Sincerely, 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