Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Experian, I am writing to inform you of a matter regarding the Fair Credit Reporting Act ( FCRA ). I am unhappy with your continued violation of the act, and I demand that you delete all inaccurate, unverifiable, and invalidated information from my consumer file immediately. 

Please note that you are in direct violation of the FCRA, and the unverified items listed below remain on my credit report, violating federal law. According to the FCRA, you are required to have a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. However, you have failed to provide me with a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) and 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. '' I demand that these items be deleted immediately. I have listed the account numbers and the outcome I desire below because these items are not 100 % accurate, and they are either inaccurate, unverifiable, or invalidated. I recently applied for extended credit and was denied, and I am in distress because of your mistakes.

Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 
6. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

7. XXXX XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

8. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

9. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

10. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

11. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  12. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX 13. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 14. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX 15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

16. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

19. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXXlowing personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  22. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX 23. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 24. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX 25. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 26. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 27. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 28. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 29. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 30. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 31. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 32 . The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 33. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

34. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

35. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

36. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX 37. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 38. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Please accept this final written offer of settlement before litigation as my attempt to amicably resolve this issue. 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 inaccurate, unverifiable, and invalidated items listed above are not deleted immediately. A copy of this letter, as well as the inaccurate erroneous items 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. 

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. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation