Consumer complaint received 2021-05-31
Company: REGIONS FINANCIAL CORPORATION
State: FL
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX last XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department To Whom It May Concern, I recently looked at a copy of my credit report and noticed several incorrect accounts. The incorrect items listed below appear on my credit report. I would like these items immediately removed and for good cause. These inaccuracies are highly injurious to my credit rating. I disputed the accounts below 90 days ago on ( XX/XX/XXXX ) in which I have provided proof of my certified mail receipt confirmation and nothing has been removed, nor have I received a legitimate response or investigation results in this matter from experian or the creditors in question.I have contacted each creditor individually and have not gotten a response. I also have filed a lawsuit against the creditors and collection companies that have continued to ruin my credit worthiness and cause me emotional and financial XXXX.I am informing you that I have filed a lawsuit against XXXX  and are seeking full legal damages. XXXX  has violated the FCRA on numerous occasions as it concerns my credit file. XXXX  has refused to removed outdated, fraudulent and inaccurate accounts and personal information from my credit report after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. Here is a list of the accounts that are currently in litigations. 


XXXX XXXX XXXX {$440.00} XXXX Date opened XX/XX/XXXX {$440.00} ( This Account is Fraudulent and currently in litigation ) XXXX {$590.00} XXXX Balance updated XX/XX/XXXX XXXX late payments ( I was never late on this account ) Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 



Also, According to section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorney 's fees. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Attorney 's fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

I informed XXXX  that I had misspelled names and fraudulent addresses on my credit report that still report currently. I have hired a consumer attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. 

The only name that should reflect on my XXXX report is : XXXX XXXX The only address that should reflect on my XXXX report : XXXX XXXX XXXX He has noticed several violations of the ( FCRA ) by XXXX  and at this point and we have file a lawsuit against XXXX. We have a full list of our ( burden of proof ) and substantial evidence to back all claims in our lawsuit, we are also holding the following individuals responsible for XXXX  negligence to my client and I needs pertaining this matter XXXX XXXX ( XXXX CEO ) XXXX XXXX ( CEO of XXXX  XXXX XXXX XXXX XXXX XXXX ( Chief Operating Officer ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 


Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

The date you contacted the individual funishers of information.

The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

You have ( 1 ) Business day to remove accounts and all inaccuarcies from credit report. We plan of pursuing full litigation by XX/XX/XXXX if inaccuaries stated in this complaint or not removed immediately!

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