Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2023 was the date I have sent a letter to Experian and was told the closed account from Social Security was verified, by law according to under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have not sent me any documentation showing this account is mines. I DO NOT CONSENT TO e-Oscar or any means of automated verification. Here is the account that needs to be removed, XXXX XXXX XXXX- {$13000.00}. XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Please let them know if it is not removed, I will be filing a lawsuit. This account is not mines. They are also breaking many laws such as, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also according to 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 8 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 




My request to validate an account that is not mine was sent to Experian XXXX, i have not heard anything from this company at all, and the law states if they do NOT respond in 30 days this account should be removed from my credit file. I sent a letter to the company on XXXX. This company has not responded. If i send a letter in mail i should get a response in the mail. So if this account is not removed i have no choice but to file a lawsuit. Attached is the initial letter that was sent, this company has not responded within the 30 days. Also attached is documents to show proof of identity I DO NOT CONSENT TO e-Oscar or any means of automated verification They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - $ XXXX On XX/XX/XXXX Experian did an update which is attached showing they modified my dispute which also violates the law, they have 30 days to investigate and respond with a contract with my signature on it, they do not have 60 days, this is my last time sending you all a complaint on how they are continuing to break the law. I now have no choice but to file a lawsuit against Experian and you all. 
Look at attached documents this is not the law, they do not get to push a date back to give themselves more time, they have had over 60 days and have not, according to under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have not sent me any documentation showing this account is mines. I DO NOT CONSENT TO e-Oscar or any means of automated verification.

also look at attatched documents where experian clearly says they are using a public record to verify accounts, that is not what the law says that needs to be done, the law says according to under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have not sent me any documentation showing this account is mines.

I DO NOT CONSENT TO e-Oscar or any means of automated verification. 

LAST AND FINAL WARNING correction, first letter was received by experian XX/XX/2023, it has been past 30 days, if they have the correct documentation to verify this account tell them to attach it to this complaint. but they do not

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