Consumer complaint received 2015-07-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I sent a letter to Experian disputing the inaccurate address information and unauthorized credit inquiries as erroneous on XX/XX/XXXX certified mail, return receipt requested. I received notice in the mail that Experian received the dispute on XX/XX/XXXX It is now, XX/XX/XXXX, one year from my original dispute and I have not received a response from Experian. Per the Fair Credit Reporting Act, XXXX 611 ( a ) ( 5 ), Experian only has 30 days to investigate disputes. Experian has not legally VALIDATED the DISPUTED information within the 30 day time period, Experian must delete all of the disputed credit inquiries and addressing information from my credit report. Experian must now delete the disputed and unverified credit inquiries and addressing information from my report. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Previously I enclosed in my original disputes was a copy of my certified mailing receipts showing when Experian received my credit dispute and a copy of my original dispute letter showing all the illegally inquiries I had disputed. 
This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested legal proof that the addressing information, and unauthorized credit inquiries in which have been illegally displayed on my credit file, be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian has now legally exceeded the time frame allowed by law ). 
INQIUIRIES CAN ONLY BE A MATTER OF RECORD IF I XXXX XXXX XXXX LEGALLY AUTHORIZED THEM, WHICH I HAVE NOT AUTHORIZED ANYONE TO HAVE ACCESS TO MY CREDIT REPORT! 

EXPERIAN MUST NOW LEGALLY PROVIDED ME WITH A COPY OF MY LEGAL SIGNATURE AUTHORIZING THESE COMPANIES TO HAVE ACCESS TO MY PERSONAL CREDIT FILE, IN THE EVENT OF MY ORIGINAL SIGNATURE NOT BEING ABLE TO BE PROVIDED TO ME FROM EXPERIAN AUTHORIZING THESE ALLEGED COMPANIES TO HAVE ACCESS TO MY CREDIT REPORT, BY LAW THEY MUST BE COMPLETELY REMOVED FROM MY CREDIT REPORT. 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or a complete withdrawal in writing of any claim. Experian has failed to remove this inaccurate addressing information, and the unauthorized credit inquiries outlined in my original disputes. This inaccurate addressing information should not be associated with my credit report and Experian has failed to legally VALIDATE this inaccurate disputed information in the time frame allowed by law. 
In the event of noncompliance, I reserve the right to file charges and /or complaints with appropriate county, state & federal authorities, the XXXX and XXXX XXXX associations for violations of the FDCPA, FCRA and Federal and State Statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against Experian to recover damages ; I am now requesting complete removal of the inaccurate information enclosed in my original disputes, before I am forced to file my lawsuit against Experian for DIRECT VIOLATION OF THE FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation