Consumer complaint received 2018-03-05
Company: Experian Information Solutions Inc.
State: FL
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:
I have mailed SEVERAL previous formal written requests, to have the unverified items listed below still remain on my credit report in violation of Federal Law. I mailed each request certified & have received confirmation of each delivery receipt. ALL of my attempts have been well documented & I intend to exercise my rights to the fullest extent. 

Each time I submit a dispute request a re-investigation, is processed & each time I am told the disputed items are verified, but the documents & information I requested is NOT provided to me. Experian has received countless dispute requests & has had countless months to correct this ERRONEOUS information on my credit file. Experian continues to IGNORE ALL the requests and attempts I have made. My credit reputation is important to me and my family & I refuse to allow Experian to continue to SLANDER my credit reputation. There have been numerous government actions against the credit bureaus lately, a rise in ID theft, and countless information breaches ; so Experian should know the importance of doing a proper investigation. Since the time to do a proper investigation has lapsed SEVERAL times over I am DEMANDING immediate removal of the ERRONEOUS information below. 

XXXX & XXXX have deleted this inaccurate information & I demand Experian follow suit and update my Experian credit report accordingly to show my true credit history, as these inaccuracies should not be reflecting on my credit report. 

In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? However, you have still not identified who in your company verified the accuracy of these accounts, or how they verified them? Nor have you provided the physical proof of such verification. Again, XXXX XXXX XXXX defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me, and the information being reported is accurate, and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ), and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist, and therefore is proof that you can not properly verify the accuracy of any of the disputed accounts. 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. Due to your continued willful disregard of the law, 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 within 10 days of your receipt of this letter. I have attached the tracking number for this parcel. A copy of this letter, as well as copies of the three previously written letters sent to you by certified mail, with proof of delivery, will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. These laws are very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with Federal Law and remove these items, or provide me with the physical proof of verification. As I have repeated in the past communications, I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I will demand that you delete all of the unverified accounts listed below IMMEDIATELY. Please provide me with a copy of an updated and corected credit report showing that these items have been deleted. 
*XXXX XXXX XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX *XXXX XXXX XXXX XXXX *XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( late payments XXXX XXXXXXXX XXXX XXXX XXXX   XXXX ( late payments ) Thanking you in advance for your anticipated quick co-operation on this matter.

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