Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Notice of Pending Litigation and Final Settlement Offer seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( civil liability for willful noncompliance ), 15 U.S. Code 1681o ( civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( civil liability ).

Please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the fair credit reporting act regarding your refusal to delete inaccurate unverifiable and invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that i might be entitled to under section 616 and 617 if the inaccurate unverifiable and invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the federal trade commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of federal law. You are required to comply to FCRA Regulations & Metro 2 standards. Metro 2 is a standardized format developed by the Consumer Data Industry Association ( CDIA ) for reporting credit information, ensuring that data provided to credit reporting agencies is accurate, complete, and consistent. As a data furnisher, it is imperative to comply with Metro 2 standards to align with the Fair Credit Reporting Act ( FCRA ) requirements, which mandate precise and verifiable credit reporting. Failure to comply can lead to severe ramifications, including regulatory penalties, legal actions, and significant reputational damage. Additionally, any negative information that can not be accurately verified must promptly be deleted to uphold consumer rights and ensure fair and lawful credit reporting practices. In the results of your investigations.

You stated in writing that you verified that these items are being reported correctly who verified these items? You have failed to provide the method of verification under section 611 ( a ) ( 7 ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... ... ... ... ..promptly delete all information which can not be verified. '' It's very obvious that your agency doesn't know what the FCRA or Metro-2 is because from the looks of my credit report and all the errors I see, here 's my breakdown 1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumers credit information is obtained how long it is kept and how its shared with others- including consumers by themselves.

2. What is FCRA VIOLATION? Creditors give reporting agencies inaccurate information about you. Reporting agencies mixing u ones information because of similar or same last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act - give list and description verify accuracy on report required for employment purposes information on file used against me in applying for credit. Dispute and have the bureau correct and delete information in my report that is inaccurate, unverifiable, and incomplete.

I demand these items be deleted immediately, I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate. They are either inaccurate unverifiable or invalidated. I recently applied for extended credit and was denied, I am distressed because of your mistakes. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Under 15 U.S. Code 1681 e ( b ) ad 15 U.S. Code 1681 ( I ) 5 these accounts are not reporting 100 % accurate. These accounts listed below are reporting inaccurate unverifiable inquiries that i did not authorize or give consent to furnish data from my consumer report. 
Bank/Creditor Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note blatant disregard for accurate reporting and if these inquiries arent deleted , I will be taking litigation to the ends of the earth.

Your improper procedures are highly damaging to my credit score, please immediately delete this item.

Violation of us U.S. Code 1681n- civil liability willful noncompliance ( a ) In general, anyone who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consumer in the amount equal to the sum of -- -- -- -- -- -- - ( 1 ) ( A ) any actual damages sustained by consumer as a result of the failure or damages of not less than {$100.00} not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the cost of, the action together with reasonable attorneys fees as determined by the court.

( b ) civil liability for knowing noncompliance ***Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

****Remove all non-account holding fraudulent inquiries.

Please note you have 30 days to complete the investigation per the FCRA section 611 ( a ) 1 ( A ).

Please be advised that description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within 5 days of your reinvestigation and I am keeping careful record of your actions including method of verification. I do not consent to e-Oscar or any automated forms of verification. Failure to respond in 30 days of receipt of this certified letter may result in small claims action against your company seeking {$5000.00} per violation for 1. defamation 2. negligent enablement of identity fraud.

3 violation of fair credit reporting act 4. financial injury P.s. Please be aware upon your response I may be detailing any potential issues with your company via an online public press release from my social media account of over XXXX followers, including documentation of any potential small claims action. I am also sending a copy of my complaint to the organizations below. 
cc : law firm XXXX XXXX XXXX, and XXXX XXXX XXXX : XXXX XXXX assistant direct of enforcement consumer financial protection bureau cc : attorney general office cc : XXXX XXXX XXXX XXXX  : Florida state senate cc : federal deposit insurance corporation cc : ( sec ) securities exchange commission cc : comptroller of the currency cc : federal reserve system cc : federal trade commission cc : Florida regulatory agency division of consumer complaints Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX