Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 my 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 and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX  : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX  : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX  XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Validate Account XXXX XXXX  XXXX : XXXX Please investigate and delete from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 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 fifteen ( 15 ) days of the completion of your re-investigation. 
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