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)

To Whom It May Concern, I am writing to you for the THIRD TIME, serving this letter as both a FINAL WRITTEN REQUEST and a Pre-Arbitration Notice regarding the disputed accounts on my credit report. This communication consolidates my previous concerns and is a definitive step towards initiating legal action under the Fair Credit Reporting Act ( FCRA ), specifically to seek redress and recover damages under Sections 616 and 617 for your continued willful and negligent noncompliance.

Despite my prior written requests, specific unverified items remain on my credit report, which appears to be a clear violation of Federal Law. The FCRA requires you to maintain and provide evidence from the original creditor to verify that the information reported is accurate and pertains to me. However, the results of your investigations have failed to provide any substantive evidence or documentation. 

In light of these continued issues, I require answers to the following critical questions : Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.

Also, why did you not send me copies of the verification like I asked?

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 breach of the FCRA. Furthermore, Section 611 ( 5 ) ( A ) mandates the prompt deletion of any information that can not be verified. 

As a litigious consumer, I am fully prepared to pursue legal action to enforce my rights under the FCRA. The responsibility of consumer reporting agencies extends beyond merely echoing information from other sources and requires a proactive and thorough approach to verification.

Therefore, I demand immediate action either to verify or to delete the following accounts from my credit report. This letter should be taken as a Pre-Arbitration demand. Noncompliance will leave me no choice but to seek legal remedies as provided under Sections 616 and 617 of the FCRA.

I expect a prompt and comprehensive response to this letter, addressing each point raised and outlining the specific steps you will take to rectify this situation. Failure to respond satisfactorily and in compliance with the law will result in immediate legal action. 

Sincerely, Unverified Accounts : XXXX XXXX Date opened XX/XX/XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Unverified Public Record : XXXX  XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Court US BKPT CT XXXX XXXX XXXX  Hard inquires : EXPERIAN XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX US SM BUS ADMIN XXXX Inquired on XX/XX/XXXX SOFT INQUIRES : XXXX Inquired on XX/XX/XXXX and XXXX more XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX more XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX and XXXX more XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX on XX/XX/XXXX and XXXX more EXPERIAN XXXX on XX/XX/XXXX and XXXX more EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX and XXXX more XXXX XXXX I Inquired on XX/XX/XXXX and 1 more