Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: AL
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:
To Whom It May Concern : Please be advised that this letter serves as an official notice of intent to sue Experian, XXXX, XXXX, and all other third-party entities and to bring your attention to a violation of my rights under the Fair Credit Reporting Act. Being a federal law that governs the credit reporting industry, the FCRA requires you to ensure accurate and complete credit information, as well as the fair handling of consumer disputes. Therefore XXXX XXXX requests that you investigate the matter expediently and take the necessary steps to remove all fraudulent and inaccurate accounts : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 14 POTENTIALLY NEGATIVE MONTHS, XXXX XXXX XXXX  # XXXX, 13  negative months reporting inaccurately. XXXX XXXX XXXX XXXX On XX/XX/2023, XXXX XXXX discovered that the following fraudulent accounts were opened using his identity : This is the second time that XXXX XXXX has been a victim of identity theft. He has already contacted the police regarding this matter. 
Requesting validation of these debts and signed document ( s ) of original signature. 
1. Account Number : XXXX XXXX account # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  as my previous letter shows the courts do not report any information to the credit bureaus therefore this information is fraudulently reporting I demand removal and block any future reporting. 

ADDRESS Needed for Removal 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 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 XXXX XXXX XXXX  Reason Code : This account is not mine and is fraud. Please delete it from my report. 
Instructions : In compliance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the debt and confirm my original signature in accordance with the FCRA 's obligations for validating a debt. And if you can not validate the debt, then the account must be deleted immediately. 
Provide a detailed log of dates and times of attempts to contact our client and explain your relationship to the alleged account creator. Specify if this is an assignment or a purchase of the account. Also, furnish the account details for the past year and any applicable collection fees or interest. If you're a third-party collector, submit your license or bonding information to confirm your identity. Failure to comply with these questions will result in the removal of the fraudulent tradelines from the credit report due to the violation of our client 's consumer and privacy rights. You are hereby required, pursuant to the FCRA 's regulations, to : a ) Validation of the debt refers to checking the accuracy of accounting. 
b ) Verification of signed Invoice. 
c ) A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
d ) Please provide the original document and a wet signature. If you can't provide these items, then you must delete them. 

Let it be known that XXXX XXXX has suffered substantial financial loss, harm, and aggravation due to this erroneous reporting. With the foregoing in mind, our client prefers to avoid litigation but stands ready to exercise his or her respective rights should the need arise. Nevertheless, our client ( s ) seek the removal of the aforementioned account. And if the accounts are not removed within five days of receipt we shall seek a reasonable settlement offer in the amount of {$22000.00} in consideration of the financial loss and distress our client has suffered because of your failure to comply with the FCRA statutes. You shall pay to our client on or before XX/XX/XXXX th, 2023 the sum demanded if these accounts listed above are not removed by XX/XX/XXXX th, 2023. 
Note that this letter is not intended to be, nor should it be construed as, a waiver of any of XXXX XXXX 's legal rights or remedies in law or equity, all of which are expressly reserved. This letter is an attempt to correct an error on our clients credit report, and it shall not be admissible as evidence of the value of his or her claims against the credit bureau. 
Should you fail to comply with the demand, XXXX XXXX is prepared to pursue all legal and equitable remedies, correspondingly filing a complaint with the appropriate state agencies such as the Attorney General 's Office, the FTC, and the Consumer Financial Protection Bureau. It is our clients desire to reach an amicable resolution. However, XXXX XXXX is prepared to take these necessary measures to reach a resolution that makes our client whole. We are giving you the opportunity to correct the matter. Govern yourselves accordingly and remove these accounts from XXXX XXXX 's credit report and prevent any future reporting of such accounts. 
Awaiting your reply and actions, 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 non-monetary relief