Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL. WARNING. 
I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section 616 and Section 617, regarding your continued willful and negligent non-compliance.

Despite my previous XXXX ( XXXX ) formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. 

XXXX XXXX XXXX XXXX First your last activity date is XXXX  years difference then the other XXXX bureaus, XXXX has no late payments and does not display a payment history at all, XXXX has already removed this account but you report that my payment history is XXXX. You have that I have made 19 % of payments on time when XXXX does not have that as reported. You also show that in XX/XX/XXXX I was XXXX  days late and in the very next month I was also XXXX late as well. Is that possible. 

XXXX XXXX XXXX XXXX odd part is this account has the same exact account number as the above account which are different accounts with different amounts. This account your last activity date is XXXX  years difference from the other XXXX bureaus, XXXX has XXXX and no payment history, XXXX has XX/XX/XXXX and you have XXXX. U also state that I have used XXXX percent of this cards limit. How is that even possible? XX/XX/XXXX you report that I was XXXX days late and then the very next month I was also XXXX  days late. That's not possible either. 


XXXX XXXX This is a different account number then what XXXX reports, Your last activity date is a whole year difference then the other XXXX bureaus, XXXX has no payment history as it should on a charge account, XXXX has XXXX and you have XXXX. In XXXX, XXXX and XXXX XXXX XXXX you have I was XXXX  days late XXXX months in a row and then charged off the third month but XXXX has reported that all XXXX Were on time payments. Again in XXXX XXXX XXXX you have I was XXXX  days late but XXXX has I was on time Then again XXXX, XXXX, XXXX, and finally XXXX you have me as late payments but again XXXX has on time payments. You report that I have made 68 % payments on time but XXXX reports I have made 84 %. 

XXXX XXXX XXXX XXXX- You have reported I have made 82 % of payments on time but XXXX reported 92 %. You have late payments XXXX and XXXX XXXX XXXX  where XXXX has them as on both on time. You report that I was XXXX  days late in XX/XX/XXXX and then the next month I was another XXXX  months late. Not possible. You have XXXX on XXXX and XX/XX/XXXX and XXXX has on time payments made. 


XXXX XXXX report that I have paid 96 % of the loan but XXXX XXXX I have 0 % and XXXX reports 96 %. You also report I am late XXXX and XXXX of XXXX and the other XXXX bureaus have only XXXX. 

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after XXXX written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within XXXX  days as
required by law, and the Court will order you to delete them.

You say that you have reinvestigated, and /or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is " parroted '' information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of {$1600.00} ( a ) ( 4 ) of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX