Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
Dear Experian, I am certain you are aware that it is against the law to threaten suit without the intention of doing so. 

Therefore, be advised that I am very serious about filing a suit against your company. 
Please accept this Notice of Intent to File a Lawsuit as my final attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete the DEROGATORY account XXXX XXXX from my credit report. Your offices have failed to send the legally required validation of item listed. Also, you have been notified that your actions are detrimental to me and that your firm has violated XXXX including but not limited to ) the FCRA, 15 U.S.C. {$1600.00} et seq. A copy of this letter, as well as copies of dispute letters sent to you previously, will become part of a lawsuit and shall be used as evidence in pending litigation, provided you fail to comply with this notice. Be advised that I am keeping accurate records of all correspondence regarding this matter.

I am sure you are aware of the consequences of violating the Fair Credit Reporting Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you : 1 ) Procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) Procedures in case of disputed accuracy, 15 U.S.C. $ 1681i. Treatment of inaccurate or unverifiable information ; 3 ) Procedures to obtain consumer credit file pursuant to 15 U.S.C. $ 1681b ; 4 ) Procedures according to 15 U.S.C. $ 1681g ; 5 ) Procedures, as required by 15 U.S.C. {$1600.00} ( a ) ( 4 ) ; It is my cognizance of the law that you ought to honor each and every request to scrutinize incorrect information, and you seem to have overlooked all of my previous requests. That is a clear violation of the Fair Credit Reporting Act, which provides a cause of action for an individual consumer as well as penalties and liabilities for consumer reporting agencies for non-compliance as a violation of its provisions.

Finally, I am sending you a list of the derogatory account ( s ) /item ( s ) you need to delete. Please correct this by the removal of this item ( s ) from my credit report. See. Exhibit E.

If you wish to resolve this matter, this will be your last opportunity to do so. The below derogatory account ( s ) /item ( s ) must be deleted from my credit file immediately, and you need to forward a confirmation letter to me stating they have been removed and will not reappear on my credit report again. If I get another pointless letter from you saying that account ( s ) /item ( s ) has already been " verified '' or equivalent answer, and your offices continue reporting invalid/derogatory information on my credit report, then there will be no more opportunity for negotiation. I will not hesitate to start legal, lawful, and administrative actions against your firm as well as the individuals responsible for damages to me. I will proceed in court until I have successfully proven to a judge and jury that false/derogatory information must be removed from my credit report.

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