Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
TO WHOM IT MAY CONCERN, 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 in accordance with 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 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 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.

Its very obvious that 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 r
ules 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 a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of 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 an
d 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 XXXX  ).

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 and 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 on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the XXXX account XXXXXXXX XXXX XXXX XXXX Account Number : 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. I was never late on this account under 15 USC 1666B this is a billing error always paid as agreed. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX XXXX XXXX  CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : XXXX  Regulatory agency Division of consumer complaints Sincerely,

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