Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: TX
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:
I want to exercise my rights to have all accounts disputed DELETED without prejudice. And send me a formal letter Im writing that all accounts listed in this complaint have been DELETED BY XXXX. 


Initial Dispute sent approximately XX/XX/XXXX Via USPS XXXX 2nd Dispute sent approximately XX/XX/XXXX Via USPS XXXX I have included all accounts in question. And since this credit bureau chooses again and again not to perform a complete investigation. I am sent this as an official complete before seeking out legal aid in hopes of good faith that Experian will delete these accounts off of my credit report due to these errors and violations. I am hoping CFPB can assist me. 


- Conns ( 6x ) Multiple Errors 1. Duplicate account shows 6 times DELETE ALL ACCOUNTS DUE TO ERROR 2. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 3. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 3 counts within 6 accounts listings ( 18 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$18000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


- XXXX XXXX XXXX XXXX ( 2x ) Multiple Errors 1. Duplicate account shows 2 times DELETE ALL ACCOUNTS DUE TO ERROR 2. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 3. Dates wrong in  every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 3 counts within 2 accounts listings ( 6 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$6000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


- XXXX - Milestone ( 2x ) Multiple Errors 1. Duplicate account shows 2 times DELETE ALL ACCOUNTS DUE TO ERROR 2. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 3. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 3 counts within 2 accounts listings ( 6 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$6000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


- XXXX XXXX XXXX/XXXX  ( 5x ) 1. Duplicate account shows 5 times DELETE ALL ACCOUNTS DUE TO ERROR 2. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 3. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 3 counts within 5 listed accounts ( 15 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$15000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS FOR : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX ( 1 ) This 4 accounts above where NOT investigate in time. It is now 60 days past my original dispute date. ( 2 ) THESE ACCOUNTS NEED TO BE DELETE IMMEDIATELY DUE TO A CLEAR VIOLATION OF THE FCRA. ( 3 ) THESE ACCOUNTS ARE NOT VERIFIED. ( 4 ) THESE ACCOUNTS HAVE NOT BEEN REVIEWED IN A COMPLETED INVESTIGATION. ( 5 ) THESE ACCOUNTS HAVE NO METHOD OF VERIFICATION. There are 5 counts within 4 different accounts ( 20 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$20000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 

XXXX  XXXX XXXX - NOT MY ACCOUNT DELETE IMMEDIATELY NOT MY NAME NOT MY SOCIAL NOT MY ACCOUNT There are is GRAND TOTAL OF 65 counts within 19 accounts listings of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$65000.00} in damages minimum alone. THIS IS A VERY SERIOUS MATTER. Your attention is of the most importance please. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council and seek out 100 % of my remedies.

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