Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

To Whom It May Concern, 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 INACCURATE, Unverifiable, and Invalidated information from my consumer file. I intend to pursue litigation by the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable, and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS 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. YOU ARE IN DIRECT VIOLATION OF THE FCRA, 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 creditor 's 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. Your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown. 
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is an FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mix up one person 's information with another 's because of a similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the Fair Credit Reporting Act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable or Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 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 to pursue litigation in this matter to enforce my rights under the FCRA. 

XXXX - XXXX I believe this collection is reporting inaccurately. - I do not recall this at all and don't believe it belongs to me. 

XXXX XXXX XXXX - XXXX I believe this collection is reporting inaccurately. - I do not recall this at all and don't believe it belongs to me. 

XXXX XXXX - XXXX I believe this collection is reporting inaccurately. - I do not recall this at all and don't believe it belongs to me. 

XXXX XXXX XXXX XXXX  XXXX I believe this collection is reporting inaccurately. - I do not recall this at all and don't believe it belongs to me. 

XXXX - XXXX I believe this collection is reporting inaccurately. - I do not recall this at all and don't believe it belongs to me. 

XXXX - XXXX I believe this collection is reporting inaccurately. - I do not recall this at all and don't believe it belongs to me. 

XXXX XXXX XXXX - XXXX - This is also completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

According to 15 U.S.C. 1681n ( b ), if a consumer report is obtained under pretenses or without a permissible purpose, the consumer is entitled to actual damages or a minimum of {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded at the court 's discretion. Since I did not authorize or initiate any of these inquiries, I request that you provide me with copies of any written authorization or consent forms that you may have on file. I am demanding the immediate removal of the disputed items from my credit report as required under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). The items in question are listed below : XXXX XXXX - XX/XX/XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - It is imperative that you immediately remove this inaccurate data from my credit report. 

XXXX - XX/XX/XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - It is imperative that you immediately remove this inaccurate data from my credit report. 

XXXXXXXX XXXX  - XX/XX/XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - It is imperative that you immediately remove this inaccurate data from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - It is imperative that you immediately remove this inaccurate data from my credit report. 

XXXX XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - It is imperative that you immediately remove this inaccurate data from my credit report. 

XXXX XXXX XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - It is imperative that you immediately remove this inaccurate data from my credit report. 

XXXX - XX/XX/XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - It is imperative that you immediately remove this inaccurate data from my 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 non-monetary relief