Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This correspondence serves as my THIRD and FINAL WRITTEN REQUEST, as well as a Pre-Arbitration Notice, regarding the disputed unverified accounts and late payments as well as the unauthorized soft inquiries still found on my credit report. This letter consolidates my previous concerns, signaling my intent to pursue legal action under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 616 and 617 for willful and negligent noncompliance. 

In addition to the unverified items previously discussed, I have identified multiple soft inquiries on my credit report that I did not authorize. This not only raises concerns about a breach of my privacy but also indicates potential violations of federal law. 

Alongside my demand for the verification or deletion of the unverified accounts, I request the immediate deletion of all unauthorized soft inquiries from my credit report. Furthermore, I require specific answers to the following questions : 1. Who in your company verified these accounts?

2. How did they verify them?

3. Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation. 
4. Why have you not sent me copies of the verification as previously requested?

Under Sections 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) of the FCRA, you are obligated to provide any original documentation, such as a consumer contract with my signature. Your failure to provide this information is a direct violation of the FCRA. Section 611 ( 5 ) ( A ) specifically requires the prompt deletion of any information that can not be verified, including unauthorized inquiries.

I wish to highlight Section 616 [ 15 U.S.C. 1681n ], which addresses civil liability for willful noncompliance. This section outlines the legal consequences for any consumer reporting agency that knowingly and willfully fails to comply with the requirements of the FCRA, resulting in damages to the consumer. 

As a litigious consumer, I am fully prepared to enforce my rights through legal action. The responsibility of consumer reporting agencies goes beyond simply echoing information from other sources and necessitates a proactive, thorough approach to both verification and authorization. 

Therefore, I demand immediate action to verify or delete the disputed accounts and to remove all unauthorized soft inquiries from my credit report. Treat this letter as a Pre-Arbitration demand. Noncompliance will lead me to seek legal remedies as provided under Sections 616 ( willful noncompliance ) and 617 of the FCRA. 

I expect a prompt and comprehensive response, addressing each point raised and detailing the specific actions you will undertake to correct these issues. Failure to respond in accordance with the legal requirements will result in immediate legal action. 

Unverified Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX