Consumer complaint received 2016-06-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ATTN : CFPB THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO EXPERAIN. 

I sent a letter to you disputing inaccurate address information and the INVALIDATED BKPT CT CO OF COLORADO as erroneous on XXXX XXXX, 2016 certified mail, return receipt requested, and via the Consumer Financial Protection Bureau. I received notice in the mail that you received the dispute XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed, INVALIDATED, INACCUARTE ACCOUNTS & PERSONAL INFORMATION from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
PURSUANT TO SECTION 611 ( A ) OF THE FAIR CREDIT REPORTING ACT, THE LAW REQUIRES EXPERAIN TO HONOR MY REQUEST! I HAVE DISPUTED THE FOLLOWING INVALIDATED, INACCUARTE, DISPUTED ACCOUNT WITH EXPERIAN, AND AS YOU EXPERAIN ARE IN FACT NO DOUBT AWARE THAT YOU ARE KNOWNILY AND DIRECTLY VIOLATING THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT, AND COLORADO AND STATE STATUTES, BY CONTINUING TO REPORT THIS INACCUARTE, INVALIDATED INFORMATION ON MY PERSONAL CREDIT REPORT! I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE REQUIRED DOCUMENTION IN WHICH WOULD PROVE THAT I DO NOT HAVE A BANKRUPTCY! DUE TO THIS FACT EXPERAIN IS GOING TO LEAVE ME NO OTHER ALTERNATIVE BUT TO HAVE MY ATTORNEY FILE MY LAW SUIT AGAINST YOU HERE IN THE SATE OF COLORADO FOR THE FOLLOWING : WHO : EXPERAIN WHY : DEFAMATION, OF CHARACTER, FOR FINANCIAL INJURY. 
LAW : US COURT OF APPEALS, XXXX CIRCUIT, NO. XXXX. 
FINE : EXTENT OF DAMAGES INCURRED BY THE WRONGED PARTY AS DEEMED BY THE COURTS. 

WHO : EXPERAIN WHY : DEFAMATION WILLFUL INJURY LAW : FCRA SECTION XXXX XXXX V XXXX XXXX XXXX COURT OF APPEALS FOR THE EXTENT OF DAMAGES INCURRED BY WRONGED PARTY, AS DEEMED BY THE COURTS. 

WHO : EXPERAIN CREDIT BUREAU, IF THEY FAIL TO RESPOND TO YOUR WRITTEN DISPUTES WITHIN 30 DAYS. 
EXPERAIN YOU ARE NOT ABOVE THE LAWS. 

I AM NOW DEMANDING THAT YOU EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THE US BKPT COURT HAS LEGALLY PROVIDED TO YOU ON MY BEHALF THAT WOULD SHOW THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCUARTE! THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO ADHEAR TO EVERY ASPECT OF THE LAW, AND REMOVE THE FOLLOWING INVALIDATED, INACCUARTE ACCOUNTS INFORMATION FROM MY CREDIT REPORT : USBKPT COURT-XXXX I HAVE NEVER FILED BANKRUPTCY, AND I HAVE PERSONALLY WRITTEN TO THE US BKPT CT CO, AND THEY HAVE CONTINUED TO RESPOND TO ME WITH THE FOLLOWING ( PLEASE SEE ENCLOSED ) SO IT IS NOW MY UNDERSTANDING THAT THE US BKPT XXXX IS NOT REPORTING THIS INVALIDATED, INACCUARTE, DISPUTED ACCOUNTS INFORMATION! IT IS YOU EXPERIAN THAT IS CONTINUING TO KNOWINLY AND DIRECTLY VIOLATE THE FAIR CREDIT REPORTING ACT BY CONTINUING TO REPORT THIS INVALIDATED, INACCUARTE ACCOUNTS INFORMATION ON MY PERSONAL CREDIT REPORT! I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHCH THE USBKPT COURT HAS PROVIDED TO EXPERAIN ON MY BEHALF THAT WOULD SHOW THAT THIS INVALIDATED ACCOUNT IS ACCURATE. 

I am very distressed that Experian has included this INVALIDATED information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only 100 % accurate and verifiable credit information. No doubt the inclusion of this invalidated, inaccurate information is a mistake on EXPERIAN 'S part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle

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