Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
When viewing my Experian credit report, I find that this inaccurate account is still existing on my credit report. PLEASE DO NOT MARK THIS AS A DUPLICATE. THIS IS A FORMAL REQUEST FOR REINVESTIGATION. 
I hereby demand the following account ( XXXX ) be properly verified based on XXXX XXXX XXXX  COMPLIANCE OR REMOVED IMMEDIATELY. 

Alleged Account Name : XXXX Alleged Account Number : XXXX Alleged Balance : {$140000.00} Alleged Past Due Amount : {$140000.00} Re : REQUEST TO make justifiable corrections or removals of unverified or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or all of the aspects of alleged account information documentarily to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting.

To Whom It Might Concern, No Entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICAL VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO XXXX XXXX SO PROVE NOW OR DELETE THE CLAIMS.! 

Please note that I am in receipt of a copy of credit report that your company published and after reading it I found a number of items on the report that are INACCURATE AND INCOMPLETE. The accounts in question are listed below. 

Please mail to me copies of the documents that you have in your files as of this date that you are using to verify the accuracy of the accounts that I listed below. This includes the following account types ; DEROGATORY ACCUSATIONS INCLUDING ALLEGED HARD INQUIRIES MUST BE XXXX XXXX COMPLIANT TO RETAIN OR REPORT ; THEREFORE, DELETE ANY NOT PHYSICALLY PROVED WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. 
PLEASE NOTE, I DO NOT AUTHROIZE YOU TO REPORT ANY NON PROVEN COMPLIANT INFORMATION AND PER THE LAW, YOU MUST COMPLY. 

As written in the ( FCRA ), 15 U.S.C. 1681, I have the legal right to demand that you disclose to me ALL OF THE DOCUMENTS that you recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. 

It is not acceptable that you reply to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy and completeness of these disputed account, then you must delete them IMMEDIATELY. as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

If you continue to publish these inaccurate, incomplete and unverified items on my credit reporting and distributing it to 3rd parties you are damaging my reputation and credit worthiness which damages my mental wellbeing.

Under ( FCRA ), 15 U.S.C. 1681, every and all unproven, non-compliant, inaccurate, incomplete, and unverified aspects of any alleged derogatory account must be PROMPTLY ANNULLED IN IT'S ENTIRETY or even the whole account is to be deleted. 

Therefore, if you are unable to provide me with a copy of the verifiable and irrefutable proof that you have on file for each one of the adverse accounts listed below within the NEXT 15 DAYS OF RECEIPT OF THE COMPLAINT CHALLENGING YOUR COMPLIANCE to true accurate and complete timely reporting then you must REMOVE EACH ONE OF THE ACCOUNTS OF CHICANERY LEADING TO THESE UNJUST AND UNLAWFUL ACCUSATION OF SUBTERFUGE FROM MY CREDIT REPORT. 

Unless irrefutably proven physically and fully XXXX XXXX COMPLIANT, CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE OF MY RESPONSIBILIGY OR ELSEWISE MANDATE PER REPORTING LAWS OF MY STATE OF FLORIDA AND FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATION CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED. 

As such, I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL NOW BY FULL AND PERMANANENT DELETION. IF YOU DO NOT DELETE THEN YOU MUST ADEQUATELY TESTIMONY TO THE DOCUMENTS CERTIFICATION OF YOUR OBEYING OF THE MANDATED XXXX XXXX XXXX  FORMATTED REPORTING REGULATION STANDARDS. 

FAILURE TO REMEDY THIS WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. 

Please provide via mail only to me a copy of an updated and corrected credit report showing these items deleted.

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