Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, My name is XXXX XXXX I'm complaining on Experian there was an item was removed from my report and previously was wrong to put in my report. when now they realized and made sure that was wrong doing it and now it came back again to my report. I sent all the documents was required by law to make sure this was wrong and Experian not following the law, I spoke to a supervisor department of special handling her name is XXXX, I asked her what type verification she got from the creditor and she said to me we just do whatever the creditors tell us they don't give us anything we just go by what they say and I ask her don't you know there's a law because if the creditor is telling you do it something that's illegal to do and that's unprofessional not providing me a method of verification and no one is providing me the documents has my name account number and my signature on it? what type of method of verification you have when i asked her she replayed again that's all we do we don't have anything they creditor told us to put it back and that's a supervisor not some one who's just employee, I am sincerely requesting Consumer Financial Protection Bureau to involve this matter and see whats really going these credit bureaus, They are taking my rights and I am a victim who's having this problem and i believe no one above the law and XXXX said to me we do what the creditors tell us and i was completely shocked when i heard that word from her and she was repeating and keep saying it and i was saying XXXX you're violating my rights and this is not right and she didn't really care about whatsoever and what I'm seeing now is there's something going on Experian because the way the are answering to me it's kind showing me they are not following the rules and regulations, I even sent police report from XXXX Department and they got it Experian with certified mail and they have on there system as well XXXX  i sent them and they got it. 

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 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? 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. 
XXXX Account # 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 non-monetary relief