Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In reference to CFPB complaint XXXX : Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written complaints, the unverified items listed below 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with 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. 

Experian provided a long computer-generated statement that did not address my exact request. They are not in compliance with the FCRA, and I expect the CFPB to hold them accountable for consumers rights. 

Again, I am requesting complete deletion of the following account due to NONCOMPLIANCE : XXXX XXXX  XXXX  Account Number : XXXX AGAIN, I have attached just ONE of the many violations that Experian is doing to purposefully hinder my credit worthiness. Inaccurate charge off dates, re-aging this account is blatant violations and against the law. 


Experian, as a major credit reporting agency, is obligated to comply with the Fair Credit Reporting Act ( FCRA ), which mandates accuracy, fairness, and privacy in the handling of consumer information. When Experian fails to adhere to these compliance laws, it causes significant harm to me as a consumer, including inaccurate credit reports, denied loans, or higher interest rates. Experian, with its failure to properly investigate disputed information, correct errors within the required time frame, or improperly sharing credit information -- -directly undermines my consumer rights and can lead to legal repercussions for Experian, as well as potential financial compensation for affected individuals. It is crucial for credit bureaus like Experian to uphold the standards set by the FCRA to ensure consumer protection and maintain trust in the credit reporting system. 
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. 

Again, I demand the above account be properly verified or deleted immediately.

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