Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I sent experian, XXXX XXXX letters disputing fraudulent accounts and inaccurate billing errors   on my credit report on XXXXXXXX. 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. experian, XXXX XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 (a)(1)(A), of the Fair Credit Reporting Act experian, XXXX XXXX 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. I demanded to see verifiable proof with my signature that experian, XXXX XXXX have on file for the account listed below. . It has been more than 30 days and experian, XXXX XXXX have not sent any verifiable  proof. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof  experian, XXXX XXXX must remove the accounts  and billing errors listed listed below. 

1. The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX ,AccountNumber: XXXX.
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
2.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXX AccountNumber:XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
3.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXX AccountNumber: XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I
 notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
4.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX (Original creditorXXXX XXXX XXXX XXXX AccountNumber: XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
5.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX  Account numberXXXX Date openedXXXX XXXX XXXX  you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
6.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX  Balance$XXXX  Account numberXXXX Date openedXXXXXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
7.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX (Original creditorXXXX XXXX XXXX XXXX) Balance$XXXX Account numberXXXX
Date openedXXXXXXXX XXXX XXXX

 you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
8.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX  Date openedXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
9.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXXXXXX Balance$XXXX  Account numberXXXX  Date openedXXXXXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
10.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX  Account numberXXXX Date openedXXXXXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
11.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX  Account numberXXXX  Date openedXXXX XXXX XXXX

 you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
12.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXXXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
13.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX  Account numberXXXX Date openedXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
14.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX  Date openedXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
15.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX Balance$XXXX Account numberXXXX Date opened:XXXXXXXX XXXX XXXX

 you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
16.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account number: XXXX Date opened:XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
17.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX XXXX XXXX ,AccountNumber:XXXX.
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
18.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX AccountNumber: XXXX XXXXou are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
19.XXXX XXXX XXXX ,AccountNumber: XXXX
I was never late on this account but your reporting late payments on my report.
you are violating 15 U.S. Code 1692c (c) of FCRA with this report please remove all late payments on this account .

20.XXXX XXXX XXXX  ,AccountNumber: XXXX  I was never late on this account but your reporting late payments on my report.
you are violating 15 U.S. Code 1692c (c) of FCRA with this report please remove all late payments on this account .

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