Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are currently appearing on my credit report. After reviewing my credit report, I have found several accounts that I have no recollection of ever belonging to me. I am requesting that these accounts be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and the credit reporting agency is required to investigate and correct any errors or remove any information that can not be verified. 

XXXX XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXXXXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

I appreciate your prompt attention to this matter. Please provide me with written confirmation that these accounts have been removed from my credit report, in accordance with the FCRA. 

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