Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NC
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:
Please be advised that as of XX/XX/XXXX, two ( 2 ) separate notices went out on XX/XX/XXXX & XX/XX/XXXX ( see attached ) to XXXX, EXPERIAN and XXXX requesting verification of the undermentioned debt ( s ). 

It has become increasingly clear that XXXX, EXPERIAN and XXXX are willfully negligent in rectifying my affairs. They are willfully and negligently failing to remove unverified accounts included in my consumer report, and to employ reasonable procedures to assume maximum possible credit reporting accuracy. I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the FCRA and FDCPA. 

XXXX, EXPERIAN and XXXX were given 30 days from the date of notice, and another 30 days with the second notice -as a courtesy, they were to provide supporting documents and PROBABLE evidence that I have any obligation to the undermentioned alleged debt ( s ). 

XXXX, EXPERIAN and XXXX were unable to produce said requirements within the generously allotted threshold, and by Federal Law they are required to remove the accounts from my consumer report without prejudice due to their negligence. 

At this point, You, XXXX, EXPERIAN and XXXX, and its representatives /agents are Civilly Liable for willful noncompliance under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) on your transgression against me, a federally protected natural consumer identified in 15 U.S.C 1692a ( 3 ). I can take lawful action for your violations by assessing a penalty/fine of {$1000.00} each violation. In addition, if you do not comply fully you will be obstructing justice and can be held in contempt to be tried as a criminal in a court of law. 

I made a conditional offer to settle this matter upon lawful verification of this alleged debt in the correspondence sent to you. You, XXXX, EXPERIAN and XXXX failed to respond and illegally continued to allow the debt collector to proceed with collection activities and furnishing information of unverified accounts to my consumer report in violation of Federal Law. 

Under the FCRA, any information that is inaccurate, incomplete, or unverifiable, must be removed or corrected, usually within 30 days and since XXXX, EXPERIAN and XXXX were unable to provide me with a copy of verifiable proof within the allotted threshold, XXXX, EXPERIAN and XXXX must remove the accounts listed below. 

I demand the following accounts to be removed immediately or I will be taking this matter into Arbitration and/or file suit against you for damages for violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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