Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
YOU ARE IN DIRECT VIOLATION OF THE FCRA, 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 investigations, 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.

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.

1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). 
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes. 
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. 

1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX  XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 5. The following personal information is incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  9. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. This is also the CARES Act Violation no late payments during the COVID-19 crisis XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Late payment reported. XX/XX/2021 your improper procedures are highly damaging to my credit score. Please immediately update to no late payments reporting or delete this item.

10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX Account Number : XXXX Account type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.

11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX Account Number : XXXX Account type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting. 
12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.

13. Under 15 U.S. Code 1692j - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.

14. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX. 
XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

15. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX. 
XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

16. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX. 
XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

17. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

18. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

This is the second time these accounts have been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit. This is a 10-Year-old purchased debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices and violations of FCRA.

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