Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian, 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 remedy 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 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the Fair Credit Reporting Act to have a copy of the original creditors documentation on file to verify that this information is mine and prove to be 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 signature on it? as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Also, 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 Fair Credit Reporting Act, you are required to " promptly DELETE all information which can not be verified ''. The law clearly as very clear as to the civil liability and the remedy available to me ( Section 616 and Section 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the Fair Credit Reporting Act.

I demand the following accounts be deleted immediately : 1. Name Of Account : XXXX XXXX  Account Number : XXXX Provided Physical Verification : Unverified Account Amount Of Assumed Debt : $ 200- {$330.00} 2. Name Of Account : XXXX XXXX  Account Number : XXXXXXXXX Provide Physical Verification : Unverified Account Amount Of Assumed Debt : XXXX XXXX. Name Of Account : XXXX Account Number : XXXX Provide Physical Verification : Unverified Account Amount Of Assumed Debt : XXXX XXXX. Name Of Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Provide Physical Verification : Unverified Account Amount Of Assumed Debt : {$5000.00} XXXX. Name Of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account Amount Of Assumed Debt : {$2000.00} XXXX. Name Of Account : XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account Amount Of Assumed Debt : {$410.00} XXXX. Name Of Account : XXXX XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account Amount Of Assumed Debt : XXXX I am requesting a description of the procedures used to determine the accuracy and completeness of the list of the accounts. How could you come to a clear conclusion these accounts are verified? Who did you speak to about the accounts I disputed? How did you contact them and when did you communicate with them? I am aware of my right to privacy under the Fair Credit Reporting Act. Neither you nor any of the above companies have provided me any proof of me giving my consent to disclose or furnish my private information. 

Please respond with the request information or delete all accounts within 15 days. 

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 non-monetary relief