Consumer complaint received 2017-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I  may b e entitled to under Sectio n 616 and Section 617 re garding your continued willful and negligent noncompliance. Despite my previou s 2 written  requests, the unverified items listed below still remain on my credit report in violation of  Federal Law. Yo u stated in your responses to m y 2  dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify aft er two wr itten requests is also evidence of your willful disregard o f Federal Law.   <P/> When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and t he Court will order you to delete them.   <P/> You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a )   ( 4 ).   <P/> I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violatio n of Federal Law and e vidence of your willful disregard of the law.  <P/> Please be advised that under Se ction 611 ( 5 ) ( A ) of the FCRA  you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.  <P/> The law is very clear as to the civil liability and the remedy available to  me ( Section 616 & 617 ) if  you fail to comply w ith 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 that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.  <P/>  XXXX   XXXX   XXXX  UNVERFIED ACCOUNT/NO CONTRACT

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