Consumer complaint received 2018-04-16
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:
XX/XX/2018 XXXX XXXX I am sending this letter in regards to the time frame of 1 year that I have sent several certified written requests by mail and realized their were no responses, so I decided to contact you through this portal to make sure this message is recorded and by witnessed by The CFPB, FTC, Georgia Clerk Of Courts. Please be advised 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 be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two 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 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. I demand the following accounts be removed immediately and permanently within 24 hours. I am disputing the erroneous information as an internal dispute/affidavit your company is falsely acccusing me of. I dont know what affect it could be because I was once an identity victim also I have been affected by several breaches with XXXX, online over the internet as well. 
You have placed erroneous information on my credit file that includes a debt that Im unaware of A : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX. B : ERRONEOUS INQUIRIES - 1. XXXX   XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX. To my knowledge your are violating me and my rights trying to collect a debt you claiming I owe and that I am unaware of. It is impossible to collect a debt that you didnt verify 100 by taking the correct steps for verification along with providing me an original contract with my signature on it. By law you are required to remove the debt permanently and immediately. I am demanding that this debt is removed within 48 hours of this  receipt. This is the final attempt to contact you.

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