Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that 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 ( i.e. : an original consumer contract with ( wet ink NOT PRINTED signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed immediately and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I need ( BOTH ) the credit agency and all creditors reporting on my consumer report to IMMEDIATELY remove all items that I request. Due to these negative items reporting against my consent, I am deprived of privileges. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution. Refer to 15 U.S. Code 1681- Congressional findings and statement of purpose. Refer to 15 U.S. Code 1681b- Permissible purposes of consumer reports. Refer to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Requirements to reinsertion of previously deleted material. Refer to 15 U.S. Code 6821- Privacy protection for customer information of financial institutions.

All these unlaw acts and crimes committed against me ( the consumer ) are good enough to request these derogatory remarks to be DELETED or I will be forced to notify the proper authority. 
I demand that the following accounts be removed immediately 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  I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Please remove all non-account holding inquiries over 30 days old. Please add a Promotional Suppression to my credit file. Please remove all accounts that are not METRO 2 COMPLIANCE. 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. Failure to respond satisfactorily within 10 days of receipt of this notarized 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 XXXX Director of Enforcement Consumer Financial Protection Bureau CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau CC : U.S. Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank you, 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