Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

List of violations : 15USC 1681b- Permissible Purpose 15USC 1681a- Rule of Construction 15USC 1681e- Compliance Procedures 15USC 1681i- Investigation 15 USC 1692G- Validation of debt * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. 


XXXX XXXX : XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Cable/Cellular ; Original Creditor - XXXX XXXX ; Amount - {$210.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$210.00} ; Individual Account ; Account XXXX XXXX XXXX ; ADDITIONAL INFORMATION - Consumer Disputes This Account Information ; Collection Account ; Address : XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX Account XXXX XXXX Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX XX/XX/XXXX {$840.00} {$840.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$840.00} Status - Charge Off ; Type of Account - Open ; Type of Loan - Deposit Related ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Charged Off Account ; Hard Inquires : XXXX XXXX, XXXX XXXX XXXX  FL XXXX, XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX : XXXX BANK XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Balance {$4600.00} XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Balance {$3200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Balance {$4700.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Balance {$0.00} XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX Experian : -XXXX XXXX XXXX Account XXXX XXXX Account charged off. {$840.00} written off. {$840.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX -XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Credit card reported lost or stolen, closed/Never late. 

Inquiries : -XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX -XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 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