Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: AR
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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX NOTICE OF PENDING LITIFATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. <P/>Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve EXPERIANS continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all UNVERIFIED account information from my consumer file. <P/>Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of their re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in their company verified the accuracy of these accounts, how you verified them or provided a contract signed by me, proving you verified the accounts. <P/>As previously pointed out to the, XXXX Law Dictionary, 6th Edition, 1990, 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. <P/>What this means is that your company must be willing and able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law. Someone in EXPERIANS company must authenticate the documents in their files that were used to verify the disputed account and to do this they must have 1st hand knowledge of the alleged accounts and all that has ever transpired for the alleged accounts., under oath and under the penalty of perjury. <P/>Your failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant 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 a information which can not be verified. <P/>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. A copy of this letter, as well as previously written letters sent to you will also become a 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. 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 litigation consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. <P/>In order to avoid legal action, I demand that you delete all of the unverified accounts in this dispute request immediately and provide me with a copy of an updated and corrected credit report showing that these items have been deleted. <P/>ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING INQUIRIES WERE NOT ATHORIZED BY ME. XXXX XXXX Date of requestXX/XX/2017 XXXX Date of requestXX/XX/2017 XXXX Date of requestXX/XX/2017 XXXX XXXX XXXX  Date of requestXX/XX/2017 XXXX XXXX XXXX Date of requestXX/XX/2016 Thank you, XXXX 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 non-monetary relief