Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: MI
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:
I am writing to dispute the presence of an unidentified account on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and infringes upon my right to privacy. I request that you promptly investigate this matter and remove the account from my credit report. 

I recently reviewed my credit report from your agency and discovered an account that I do not recognize or have any knowledge of. The account in question is listed as XXXX XXXX XXXX XXXX XXXX XXXX it is negatively impacting my credit profile. I have never opened or authorized any account with the alleged creditor, nor have I ever received any correspondence or statements regarding this account. 

As a consumer, I am entitled to accurate and verifiable information on my credit report. The FCRA specifies that credit reporting agencies must ensure the maximum possible accuracy of consumer reports and investigate any disputed information promptly. Section 611 ( a ) ( 1 ) ( A ) of the FCRA expressly requires that consumer reporting agencies report only accurate and complete information. 

Furthermore, the FCRA stipulates that consumer reporting agencies may only furnish information about a consumer 's credit accounts upon receiving the consumer 's written instructions or in other exceptional circumstances as defined by the Act. I have never provided any written instructions to include the disputed account in my credit report, and there are no exceptional circumstances that would justify its inclusion. 

By including this unidentified account on my credit report, your agency has violated my rights under the FCRA. I request that you conduct a thorough investigation into the origin and validity of this account, including verifying its ownership and any supporting documentation. I also request that you provide me with written documentation of your investigation results. 

In accordance with my rights under the FCRA, I kindly request that you take the following actions : 1. Promptly remove the unidentified account XXXX XXXX  commenity /kays from my credit report. 

2. Notify me in writing of the results of your investigation, including any actions taken to rectify the situation. 

3. Provide me with a corrected copy of my credit report, free of charge, reflecting the removal of the disputed account. 

Please note that failure to comply with the FCRA could result in legal action being taken against your agency. I trust that you will handle this matter with the urgency and diligence it deserves. 

I have enclosed copies of the following supporting documents for your reference : 1. A copy of my credit report highlighting the unidentified account. 

2. Any additional supporting documentation, such as proof of identity or address if required. Insurance bill, police report, etc I expect to receive a written response from your agency within 30 days of your receipt of this letter, as mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your immediate assistance in resolving this dispute. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided below. 
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