Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/1976 Dear Experian, I am writing to you regarding the inaccurate, unverifiable, and invalidated information that remains on my credit report. I demand that you delete these items immediately, as they are in violation of the Fair Credit Reporting Act ( FCRA ). 

I am aware that you are required to keep a copy of the original creditor 's documentation on file to verify that the information being reported is correct and belongs to me. However, you have failed to provide me with a copy of any original documentation, including a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ).

Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Therefore, I demand that you delete the following items from my credit report immediately : XXXX - Account Number : XXXX - Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

XXXX - Account Number : XXXX - Please remove the account involved in litigation, an incorrect high balance, an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge off listed as open, and a collection account with a limit. Your improper practices have caused distress and I am demanding immediate correction of this inaccurate information on my credit report. 

XXXX XXXX XXXX - Account Number : XXXX - Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

XXXX  - Account Number : XXXX- Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

XXXX XXXX - Account Number : XXXX - Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

Failure to comply with my request will result in legal action under the FCRA. I am fully aware of my rights under the FCRA, including civil liability for willful noncompliance and negligent noncompliance, and I intend to pursue litigation to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617. 

I hope to resolve this issue amicably before litigation becomes necessary. Therefore, I offer this as a final written offer of settlement before litigation. Please acknowledge receipt of this letter and confirm your compliance with my request. 

Sincerely, 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