Consumer complaint received 2024-09-12 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX  XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Please be advised this is my XXXX 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 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 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 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.

1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " reinsertion WITHOUT PROPER NOTICE '' an undated late pay. a charged off listed as open collection account with a limit XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " reinsertion WITHOUT PROPER NOTICE '' an undated late pay. a charged off listed as open collection account with a limit XXXX Account XXXX : XXXX please remove from credit report XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " reinsertion WITHOUT PROPER NOTICE '' an undated late pay. a charged off listed as open collection account with a limit XXXX Account XXXX : XXXX Please remove from my credit report XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " reinsertion WITHOUT PROPER NOTICE '' an undated late pay. a charged off listed as open collection account with a limit XXXX Account XXXX : XXXX Please remove from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " reinsertion WITHOUT PROPER NOTICE '' an undated late pay. a charged off listed as open collection account with a limit XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " reinsertion WITHOUT PROPER NOTICE '' an undated late pay. a charged off listed as open collection account with a limit XXXX XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " reinsertion WITHOUT PROPER NOTICE '' an undated late pay. a charged off listed as open collection account with a limit XXXX Account XXXX : XXXX Please remove it from my credit report. 

Please remove it from my credit report. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : XXXX Regulatory agency Divison of consumer complaints Sincerely, 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