Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 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 may be entitled to under Section 616 and Section 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 under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required 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. 

XXXX XXXX XXXX XXXX XXXX XXXX This is completely inaccurate. - This inaccurate information is hindering my credit score and it needs to be removed or I will proceed with filing a complaint with consumer financial protection bureau and the attorney general for falsely reporting inaccurately on my credit report. 
XXXX XXXX XXXX XXXX  - This is completely inaccurate. - This inaccurate information is hindering my credit score and it needs to be removed or I will proceed with filing a complaint with consumer financial protection bureau and the attorney general for falsely reporting inaccurately on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX- This is completely inaccurate. - This inaccurate information is hindering my credit score and it needs to be removed or I will proceed with filing a complaint with consumer financial protection bureau and the attorney general for falsely reporting inaccurately on my credit report. 
XXXX XXXX XXXX  - XXXX - Under 15 U.S. Code 1681e ( b ) and 15 U.S .

Code 1681i ( 5 ) this account in violation not reporting 100 % accurate - This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) and 15 U.S .

Code 1681i ( 5 ) this account in violation not reporting 100 % accurate - This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX  - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate - This account is in violation. 
delete this account off my credit report immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate - This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate - This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S .

Code 1681i ( 5 ) this account in violation not reporting 100 % accurate - This account is in violation. delete this account off my credit report immediately VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a 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 costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation