Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: MA
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that is inaccurate after being in dispute since XX/XX/2021 The account in question is listed below Account Number : XXXX. You have failed to send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below which has been disputed multiple times since XX/XX/2021 via certified mail. Pursuant to 15 USC 1681i ( 7 ) ( A ) a consumer reporting agency shall provide to a consumer a description of the methods and procedures of reinvestigation upon request by the consumer no later than 15days from receiving a request for description from the consumer. It has now been 18 months since my initial request for description was received by your company and I have not receive a detailed description of the methods and procedures used to verify the information on my Experian credit report. Your company also continues to defame my character publicly by continuing to report inaccurate information on my credit report. 

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THIS ACCOUNT MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 This account is not mine : Account Number : XXXX this account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) as a method of verification wasn't provided except for remarks from the lender which has also failed to provide verification. You marked your investigation complete no documentation supplied to verify the accuracy in your database. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. You are furthermore required by law to report all information on my report 100 % accurately. 

Derogatory accounts must be in Metro 2 compliance per FCRA. Considering the reporting violation, the only option I am requesting is Account Number : XXXX be permanently deleted from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed, I demand the following account be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE IMAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I will be seeking { {$1000.00} } per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury. 

CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION XXXX : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY.

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