Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: AZ
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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Notice of Dispute and Pending Litigation under FCRA Violations Dear Sir/Madam, I am writing to formally dispute and address the continued violation of the Fair Credit Reporting Act ( FCRA ) by Experian in relation to the presence of inaccurate, unverifiable, and invalidated information on my consumer file. This letter serves as my final written offer of settlement before pursuing litigation under FCRA 15 U.S. Code 1681n, 15 U.S. Code 1681o, and 15 U.S. Code 1692k. I expect immediate deletion of the items listed below, and failure to comply will result in legal action seeking both relief and monetary compensation. 

It has come to my attention that Experian remains in direct violation of the FCRA, as the following unverified items continue to be present on my credit report, despite your obligation to possess original creditor documentation to verify the accuracy of such information. In your investigations, you claimed to have " verified '' the reporting accuracy of these items. However, I have not received any copies of original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have failed to provide the method of verification as required by Section 611 ( a ) ( 7 ). According to Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete all unverifiable information.

It is evident that Experian is disregarding the FCRA, and therefore, I feel compelled to provide a breakdown of the law 's significance : The Fair Credit Reporting Act is the primary federal law governing the collection, reporting, and handling of credit information about consumers, including guidelines for obtaining, retaining, and sharing credit information.

FCRA violations may include creditors providing inaccurate financial information, reporting agencies mixing up consumer information, or agencies failing to adhere to dispute resolution guidelines. 

As a consumer, I have the following rights under the FCRA : a ) The right to verify the accuracy of my credit report when it is required for employment purposes. 
b ) The right to be notified if information in my file has been used against me in credit applications or other transactions.

c ) The right to dispute and have the credit bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report.

d ) The right to request the removal of outdated negative information, typically after seven years ( or ten years in the case of bankruptcy ).

In light of the aforementioned violations and my rights under the FCRA, I demand the immediate deletion of the following items : 1. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX XXXXXXXX 3. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 5. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

11. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

12. 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 XXXX : XXXX Please remove it from my credit report. 

13. 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. 

14. 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 XXXX Account Number : XXXX Please remove it from my credit report. 

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 XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

16. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on 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. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on 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 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

20. 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. 

21. The following personal information is incorrect NAME : XXXX XXXX 22. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX 23. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 24. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 25. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

26. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Please be advised that failure to complete a thorough investigation and address these inaccuracies within 30 days, as required by Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), may result in legal action seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, FCRA violations, and financial injury.

I also request a detailed description of the procedure used to determine the accuracy and completeness of the information, to be provided within five days of the completion of your re-investigation. Please note that I do not consent to e-Oscar or any means of automated verification.

Additionally, I want to bring to your attention that, depending on your response, I may share potential issues with your company through an online public press release, including documentation of any intended small claims action. Copies of this letter and the complaint will be sent to the relevant organizations listed below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G. Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Please be advised that I am documenting all actions taken by your agency, including the method of verification used, and I will utilize this record to enforce my rights under the FCRA through litigation if necessary. 

I expect your prompt attention to this matter and a written response detailing the steps you will take to rectify the violations outlined in this letter. 

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