Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Experian Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX Account XXXX : XXXX Please remove it from my credit report.

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX Account XXXX : XXXX Please remove it from my credit report.

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report.

6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report.

7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report. 


Sincerely, 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