Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX XX/XX/XXXX XXXX XX/XX/2019 RE : Requesting a Method of Verification for the erroneous accounts Ive sent several certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019. Ive called in to all 3 credit  bureaus. Ive also given you 3 months to send me the documents I asked for, thats more than 120 days, so I am only allowing 3-5 business days for this investigation with an internal dispute. I am not accepting a verified letter. Do not send me any letters that any of the accounts listed below is verified. By law, the consumer has the right to dispute errors listed on my credit file. I have asked more than 3 letters previous disputes to now. 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 recovery of all monetary damages that I may be entitled to under Section 611, Section 616, and Section 617 regarding your continued willful and negligent  noncompliance. My first and second letters were received in your agency on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 and respectively. 
Despite 3 previous written requests, the 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 first investigation and subsequent reinvestigation, 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 ) required under Section609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section611 ( a ) ( 1 ) ( A ). 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 cvil liability and the remedy available to me ( Sections 611, 616 & 617 ) if you fail to comply with Federal Law. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. I am writing to inform you of a possible error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ).

I demand the following accounts be verified or deleted immediately and permanently.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter nor a computerized generated verification letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 5 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

I recently received a response to a dispute that the account was verified that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item by computer verifying, electing to leave it on my report. I asked for original contracts bearing my signature but i didnt receive anything and didnt receive procedures on the dispute.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to at as part of this investigation. Attached is a police report, utility bill, litigation documents, letter, passport. 

Erroneous Accounts : 1. XXXX XXXX # XXXX # XXXX # XXXX # XXXX 2. XXXX 3. DEPT OF ED/XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 4. XXXX XXXX Very Respectfully, 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