Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Please accept this letter as my formal written request for the following items per Contract with my Signature on it ) you have on file of the accounts listed below. Your failure tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( b ) Permissible Purpose, you are required by federal law to verify- through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consume o positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be moved and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL POTENTIALLY NEGATIVE Why isXXXX-Experian, XXXX  reporting this? 

.Unknown addresses, employees and a number of unknown hard inquiries, and other misleading information. 15 U.S. Code 1681-Congressional findings and statement of purpose.There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.XXXX-ExperianXXXX  has violated my rights The Congress makes the following findings : ( 2 ), ( 3 ) .Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I need this company to remove all this inaccurate information.XXXX-Experian-XXXX  is cause major issue in the the banking system. ( 1 ) ACCURACY OF REPORT. ( b ) .Whenever a consumer reporting agency prepares a consumer report " it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. Duty of XXXX-Experian-XXXX provides clear and conspicuous information. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

XXXX-Experian-XXXX  is not following the guideline set in 15 U.S.Code 1692- Clearly & Conspicuously details which is the reason for the consumers rights. When did XXXXExperian-XXXX  conduct an independent investigation with XXXX XXXX XXXX XXXX XXXX  Date or Time XXXX 

8.According to 15 U.S. Code 1681c-2- Block of information resulting from identity theft. 


RELIEF SOUGHT : Remove all inaccurate information and {$1000.00} per violations. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation