Consumer complaint received 2018-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate, and no derogatory items can be shown within the time frame for accounts past the date of last activity. The FCRA also states that a furnisher, creditor, or credit agency has 30 days to respond to a dispute from a consumer, or otherwise delete the account. I have not received any proof of ownership of inquiries or accounts or 100 % verification and 100 % accuracy any either. 

With Experian, as of XX/XX/XXXX, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. This is unjust enrichment and a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. I have also asked for them proof of the unverified XXXX XXXX account XXXX. I have yet to receive any visible, signed proof that this account is mine. 

Please understand that failure to comply to this final written OFFER OF SETTLEMENT BEFORE LITIGATION of 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 am prepared with proof and will immediately proceed with legal action. 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, USPS tracking and return receipts of your acceptance of mail, no response with legal and legitimate verification within the 30 day required period, the inaccurate and 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.

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false and not proven accurate, can not be reported to any credit bureau. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.

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