Consumer complaint received 2024-07-18 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: MN

Complaint narrative:
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. 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 cannot 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).

XXXX XXXX XXXX XXXX XXXX Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602(A) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604(A)(2) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c(a)(5) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s2 of 5 2(A)(1) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately!

XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602(A) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604(A)(2) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c(a)(5) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2(A)(1) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602(A) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604(A)(2) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c(a)(5) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s2(A)(1) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately!

XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602(A) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604(A)(2) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c(a)(5) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s2 of 5 2(A)(1) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! XXXX XXXX XXXX XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602(A) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604(A)(2) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c(a)(5) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2(A)(1) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602(A) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604(A)(2) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c(a)(5) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s2(A)(1) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately!

XXXX XXXX XXXX XXXX XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.

XXXX XXXX XXXX XXXX XXXX  Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602(A) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604(A)(2) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c(a)(5) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s2 of 5 2(A)(1) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.

XXXX XXXX XXXX XXXX XXXX  - I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.


The items below should all be removed from my consumer report under 15 US Code 1681(c)(1)(A)(B)(i)(3).

XXXX XXXX XXXX XXXX XXXX  - This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately!

XXXX XXXX XXXX XXXX XXXX This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately!

XXXX XXXX XXXX XXXX XXXX  - This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately!

XXXX XXXX XXXX XXXX XXXX XXXX - This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately!

XXXX XXXX XXXX XXXX XXXX - This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately!

XXXX XXXX XXXX XXXX XXXXThis company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately!

XXXX XXXX XXXX  -This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately! XXXX XXXX XXXX XXXXThis company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately! XXXX XXXX XXXX XXXX  -This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately! XXXX XXXX XXXX -This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately!

XXXX XXXX XXXX XXXX -This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. Under 15 U.S.C.  1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report 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