Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING informing ( you ) EXPERIAN. I am fully prepared and intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages I am entitled to under Section 616 and Section 617 due to your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the exclusion of my transactions or experiences of an unverified item listed below still remains on my Consumer Report/Credit Report in violation of Federal Law. You ( EXPERIAN ) stated in your responses to my 2 dispute letters you have verified the item listed below as accurate but your company EXPERIAN has failed to send me copies of the documents EXPERIAN used to verify this account per my request. In fact EXPERIAN has ignored my request to send me copies of the documents EXPERIAN used to verify the disputed account with 100 percent accuracy as you ( EXPERIAN ) stated in your response. Your failure to delete the disputed account is evidence you ( EXPERIAN ) can not verify the XXXX XXXX XXXX  account after two written requests is further evidence of your willful disregard of Federal Law.

During litigation and through the discovery process you ( EXPERIAN ) will be required to produce these documents along with an affidavit swearing under oath all documents are true and correct documents you ( EXPERIAN ) used to verify the disputed PORTFOLIO RECOVERY ASSOCIATES account. Considering the fact EXPERIAN does not have any of the said and proper documents in your files as proof your company EXPERIAN did not properly verify the PORTFOLIO RECOVERY ASSOCIATES account within 30 days as required by law. Which will result in the Court ordering you ( EXPERIAN ) to delete the PORTFOLIO RECOVERY ASSOCIATES account.

Your company EXPERIAN has stated it has reinvestigated the PORTFOLIO RECOVERY ASSOCIATES account but all EXPERIAN has done is send me parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify the account which is clearly in violation of 15 US CODE 1681 ( a ) ( 4 ). I also asked your company EXPERIAN to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 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. I request you delete the account immediately. The law is very clear as to the Civil liability and the remedy available to me The law is very clear as to the Civil liability and the remedy available to me is explained in Section 616 & 617 regarding your failure 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 you delete the account listed below immediately. Please provide me with a copy of an updated and corrected credit report showing the item deleted from my Consumer Report/Credit Report.

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