Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6812728

Complaint Overview

Complaint ID: 6812728

Company: Experian Information Solutions INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Louisiana

ZIP Code: 708XX

Date Received: 2023-04-08T12:00:00-05:00

Date Sent to Company: 2023-04-08T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Experian, XXXX and XXXX This is my FINAL WRITTEN REQUEST that you immediately remove all unverified accounts from my credit report. All accounts that are " verified '' I need the chain of custody and information of every involved in the verification process. These accounts listed on the attached dispute letters that remain on my credit report are in violation of 15 USC Section 1681. Repeat failure to obey the law will result in judicial intervention, subjecting your company to damages under the FCRA, including but not limited to actual damages, consequential damages, attorney 's fees and interest. UNVERIFIED ACCOUNTS STILL REMAIN ON MY REPORT, meaning that precise NOT properly veracious CORRECT entire VALIDATED and CERTIFIABLY COMPLIANT REPORTING claims are listed upon my credit profile in violation of REQUISITES of regulatory reporting laws and standards of reporting, particularly in relation to considerations of the FCRA and FDCPA laws and the mandatory perfect and outright METRO 2 formatted reporting standard ( s ) for compliance!!! This is a violation of Federal Law. Case law is clear, you may NOT PARROT info received from an account holder via phone call, computer email or log, E-Oscar, etc., to verify any account you are reporting on. Nor is it my responsibility to verify the account! In clarity, THE CRA 'S personally have PHYSICAL possession of the documents, IN THEIR OWN FILE, to verify the truth, the correctness, the completeness, the validity of, and the certified compliance of reporting of the accused derogatory item ( s ) of reporting, be it bona fide or not. Your failure to provide me same as requested, in violation of the law, is clear evidence that the account is truly unverified, therefore NOT tractably recorded in vile infraction of law and my consumer right ( s ). Your failure, therefore, to remove the unverified accounts is a willful violation of the fair Credit Reporting Act Section 616. You are required under Section 611 ( 5 ) ( A ) of the Credit Reporting Act to promptly edit out all information that is not properly verified. If you do not have the documentation in your own PHYSICAL possession, the item accused is factually UNVERIFIED, and in such as well not undoubtable inarguable appropriate, correct, valid and certified compliantly rumored. YOU ARE NOW IN OPEN VIOLATION OF 15 USC 1681N & O!

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