Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

This is my XXXX dispute with this company regarding inaccurate information on my credit report that does not belong to me. This company has failed to produce any information whatsoever that proves these accounts are mine. Not only that, but they have/had multiple addresses on my file that do not belong to me. Therefore, the inaccurate information on my file may either be a mismatch of information with another consumer, or identity theft. I have disputed this information without success and my next letter to them will be an Intent to Sue. I have never disputed anything on my file previous to these disputes and I received a notice from Experian stating that without further documentation from either the creditor or the courts they will not reinvestigate. This is in violation of the FCRA and XXXX opinion agrees with me. Once I notify the bureaus that there is inaccurate information on my file, they must conduct a reinvestigation within 30 days and under section XXXX promply delete unverified information. Your response states that you will not reinvestigate specific accounts on my credit without an update from the court or the original creditor. This is a violation and the Congressional opinion from a lawsuit will prove this. I have notified you that these accounts are inaccurate on my credit and you must reinvestigate ; if you do not, you are in violation of sections XXXX ( a ), XXXX and XXXX of the FCRA, XXXX XXXX XXXX ( a ), XXXX and XXXX. XXXX ( a ) places the burden of investigation squarely on the consumer reporting agency and by stating that I must handle this myself with the original creditor, you are in violation of said statute. 
Be aware that once I state that no reasonable reinvestigation has taken place, I will also have a separate claim pursuant to XXXX XXXX a ). I am including a lawsuit, XXXX vs XXXX XXXX now Experian XXXX XXXX XXXX XXXX. My lawsuit against your company will include violations of the same statutes, XXXX U.S.C. XXXX. A consumer reporting agency that negligently fails to comply with FCRA 's requirements is liable for actual damages, costs, and reasonable attorney 's fees. XXXX XXXX. XXXX. Willful noncompliance renders a consumer reporting agency additionally liable for punitive damages. XXXX XXXX. XXXX. You have shown negligence and willful noncompliance by failing to delete promptly inaccurate or unverifiable entries on my report. 
By stating that I must resolve the problem with the creditor or that without an update from the creditor or court, you are in clear violation of XXXX XXXX XXXX XXXX XXXX a ) and XXXX ( b ). This position has been rejected by the United States Courts XXXX. Rather, the statute places the burden of investigation and reinvestigation squarely on the consumer reporting agency. 
Not only that, but I disputed a bankruptcy on my account that does not belong to me and it came back as verified, yet when I wrote to the court, they stated that they do NOT verify with the CRAs, therein making this account unverified and must be deleted.