Consumer complaint received 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Dear Experian I met with a consmer attorney on Thursday and he provided me some very great information about the FCRA I asked your company back in XX/XX/2018 for the Physical contract on section 609 ( a ) ( 1 ) ( a ) then I asked again for this Information again from you in XXXX & XXXX & XXXX. You stated Very quickly that your company DO NOT provide this information. After speaking with the Lawyer he kinda Giggled and said You wan na bet Your Sweet little XXXX that they Have too... But all this Time you the reporting agancies are Not Doing your Jobs and breaking the Law to make Billions of Bucks per Year. It's a Law and Guess what you have to provide this Information. So the lawyer Helped me draw up a dispute letter to provide to you and he advised me to wait 29 days if you don't comply he will take charge. I asked him should I go into small claims court and File he advised No he only deals with Federal court. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 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 UNVERIFIED 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 UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters 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. 

Despite three written requests, 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.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and 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. 

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 DON'T XXXX ME BY SAYING YOU DON'T HAVE TO PROVIDE THIS INFORMATION BECAUSE THAT IS A LIE. YOU HAVE TOO dON'T COME BANK SAYING YOU HAVE ALREADY DISCUSSED THIS INFORMATION THAT IS ALSO XXXX I WANT THE CONTRACT AND I WANT THEM IN 29 DAYS NO LESS OR NO MORE THE LAWE IS CLEAR ABOUT THIS AND YOU HAVE TO PROIVIDE FOR IT OR ELSE YOU WILL BE SUED CASE CLOSED IF YOU CAN NOT PROVIDE THIS INFORM THE LAW STATES YOU MUST DELETE SO GET BUSY I WILL SEE YOU IN COURT WHICH EVER COMES FIRST XXXX XXXX

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