Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Identity Theft and Fraud Department, This is a formal announcement, please be advised that this is my SECOND REQUEST requesting you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.

As you are aware, you are required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. You recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly.

However, you did not supply to me the verification documents.

I, hereby, am formally requesting the following : 1 ) Where are the documents that you used to verify these accounts?

2 ) What is the name of the person in your company who verified these accounts?

3 ) What documents did they use to verify them?

4 ) Please provide me with the name of that individual, their business address, and telephone number. 
XXXX XXXX XXXX, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

What this means in your language is that your company must be willing, but most importantly, able to produce a document in your files that proves the account ( s ) in dispute belong to me, and the information being reported is accurate, and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts, and to do this they must have 1st hand knowledge of the alleged account ( s ), and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.

The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) of the FCRA.

You have elected to ignore my previous request to provide me with the documents that you have in your files that you used to verify the disputed accounts, which means that you have NOT verified, or you can not verify, any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA.

Therefore, you are required to promptly DELETE all inaccurate information which can not be verified through this process.

The law is very clear as to the Civil liability, and the remedy available to me for negligent noncompliance ( Section 617 ), if you fail to comply with this Federal Law. 
I am a consumer that will fight back, and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

Name of Account : XXXX XXXX Account Number : XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter. 

Thank You

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