Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MI
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:
Dear Experian, I am writing to you to dispute the accuracy of the credit information on my credit report, which was recently sent to me. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signature contract, any and all accounts that you post on a credit report. Failure to comply with this requirement could result in fraudulent accounts being added to the credit report, which could negatively affect my ability to obtain credit.

Therefore, I am requesting that you provide me with verifiable proof ( an original Consumer Contract with my Signature on it ) for all accounts that you have listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, and under the FCRA, unverified accounts must be removed. If you are unable to provide me with a copy of verifiable proof, you must remove the following accounts immediately : XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that you add a Promotional Suppression to my credit file and 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 ). I am keeping a careful record of your actions, including Method of Verification, and I DO NOT CONSENT TO e-Oscar or any means of automated verification. Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 5 days of the completion of your re-investigation.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : Defamation Negligent Enrollment of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

My contact information is as follows : XXXX Finally, please be aware that depending upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the following organizations : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of consumer complaints Thank you for your time and assistance in this matter. 

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 non-monetary relief