Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: WA
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, Washington XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to address your continued violation of the Fair Credit Reporting Act ( FCRA ) and to offer an amicable settlement before pursuing litigation. It has come to my attention that you have failed to remove inaccurate, unverifiable, and invalidated information from my consumer file, which is in direct violation of the FCRA. If these items are not immediately deleted, I will proceed with legal action to seek relief and monetary compensation as provided for in Section 616 and Section 617 of the FCRA. This letter, along with previous correspondence and the inaccurate items, will also be included in a formal complaint to the Federal Trade Commission and used as evidence in the pending litigation should you fail to comply with this settlement offer. 

It is evident that you are not fully aware of the requirements outlined in the FCRA. Despite your investigations, you have failed to provide any original documentation to verify the accuracy of the reported items, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have neglected to provide the method of verification as mandated by Section 611 ( a ) ( 7 ). I must emphasize that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete all information that can not be verified. 

To clarify, the FCRA is a federal law that governs the collection, reporting, and handling of credit information. It establishes guidelines for the accuracy and privacy of consumer credit information, including the rights of consumers in relation to their credit reports. 

A violation of the FCRA may involve creditors providing reporting agencies with inaccurate financial information, agencies mixing up consumer information, or failure to follow proper procedures for handling disputes. 

As a consumer, I have certain rights under the FCRA, including the right to : Have the accuracy of my credit report verified when it is required for employment purposes. 
Receive notification if information in my file has been used against me in credit applications or other transactions. 
Dispute and have the bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report. 
Have outdated negative information removed ( typically after seven years, or 10 years in the case of bankruptcy ). 
I hereby demand the immediate deletion of the following items, as they are either inaccurate, unverifiable, or invalidated : Incorrect personal information : CURRENT ADDRESS : XX/XX/XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Incorrect personal information : PREVIOUS ADDRESS : XX/XX/XXXX Account details involved in litigation, containing multiple inaccuracies : XXXX Account Number : XXXX Account details involved in litigation, containing multiple inaccuracies : XXXX XXXX Account Number : XXXX Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Incorrect personal XXXX : CURRENT ADDRESS : XX/XX/XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX, WA XXXX Incorrect personal information : PREVIOUS ADDRESS : XX/XX/XXXX Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Unauthorized inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX personal information : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX, WA XXXX Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX, WA XXXX These violations of the FCRA expose you to civil liability as outlined in 15 U.S. Code 1681n. The remedies available to me include actual damages, punitive damages, and the costs of legal action, including reasonable attorney 's fees ( Section 1681n ( a ) ). Furthermore, any person who obtains a consumer report under false pretenses or without a permissible purpose may be liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater ( Section 1681n ( b ) ). 

I kindly request that all non-account holding inquiries be removed as well. Additionally, I am requesting a description of the procedure used to determine the accuracy and completeness of the information within five days of completing your reinvestigation. I do not consent to e-Oscar or any means of automated verification. 

Please be aware that your response must be provided within 30 days of receiving this certified letter, as required by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Failure to respond satisfactorily within this timeframe may result in a small claims action seeking {$5000.00} per violation, including claims for defamation, negligent enablement of identity fraud, violations of the FCRA, and financial injury. 

Please be advised that depending on your response, I may choose to publicly detail any issues with your company through an online press release, including documentation of any potential small claims action. A copy of this complaint will also be sent to the organizations listed at the end of this letter. 

Thank you for your prompt attention to this matter. I trust that you will comply with the FCRA and resolve this issue without further legal action. 

Sincerely, 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