Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: CT
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:
on XX/XX/XXXX XXXX i sent letters to experian, XXXX, and XXXX explainging to them that It has been well over 60 days since my last letter experian XXXX and XXXX was sent on XXXX, its been more than 90 days and they have not been able to provide me verified proof and methods of verfication for the fraudulent accounts on my report. experian, XXXX, and XXXX failed to remove the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, and XXXX  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.. It has been more 90 days and experian, XXXX, and XXXX have not sent any proof or responded. According to Section 609 and the federal law you must now remove all these inaccurate unverifiable accounts listed below. 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 accounts listed below. 

The following account is is unverified and must be deleted XXXX XXXX XXXX XXXX XXXX XXXX this account reports closed as of XX/XX/XXXX then it is reporting 120 days late since XX/XX/XXXX that is impossible. It is inaccurate for there to be late payments after it is closed.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason experian, XXXX, and transunionmust delete. 

Also I respectfully Contacted XXXX  XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore experian, XXXX, and XXXX are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report 2. The following account is is unverified and must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Also I respectfully Contacted XXXX XXXX XXXX XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report XXXX J XXXX XXXX XXXX ( Original creditor : XXXX XXXX Account Number : XXXX. 
experian, XXXX, and XXXX are violating Section 604 15 U.S. Code 1681 ( b ) of FCRA - I never gave permissible purpose for experian, XXXX, and XXXX to report this account on my report.experian, XXXX, and XXXX are violating 15 U.S. Code 1681 i ( 5 ) of FCRA - this accounts in violation not reporting 100 % accurate. Another reason experian, XXXX, and XXXX must delete. 

experian, XXXX, and XXXX are violating section 605 A 15 U.S. Code 1681 C-1 of FCRA- I never gave consent so this account is identity theft and fraud and must be deleted. experian, XXXX, and XXXX are violating section 605 B 15 U.S. Code 1681 C of FCRA - states that since I never gave consent so this account and It is identity theft and fraud, since I notified experian, XXXX, and XXXX that something is on my report from identity theft and I did not consent to this account experian, XXXX, and XXXX must remove and block from my report. 
Also I Contacted XXXX XXXX XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore experian, XXXX, and XXXX are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over 3 consumer laws experian, XXXX, and XXXX are violating. 
XXXX. .L XXXX XXXX XXXX I ( Original creditor : XXXX XXXX, Account Number : XXXX. 
experian, XXXX, and XXXX are violating Section 604 15 U.S. Code 1681 ( b ) of FCRA - I never gave permissible purpose for experian, XXXX, and XXXX to report this account on my report.experian, XXXX, and XXXX are violating 15 U.S. Code 1681 i ( 5 ) of FCRA - this accounts in violation not reporting 100 % accurate. Another reason experian, XXXX, and XXXX must delete. 

experian, XXXX, and XXXX are violating section 605 A 15 U.S. Code 1681 C-1 of FCRA- I never gave consent so this account is identity theft and fraud and must be deleted. experian, XXXX, and XXXX are violating section 605 B 15 U.S. Code 1681 C of FCRA - states that since I never gave consent so this account and It is identity theft and fraud, since I notified experian, XXXX, and XXXX that something is on my report from identity theft and I did not consent to this account experian, XXXX, and XXXX must remove and block from my report. 
Also I Contacted XXXX XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore experian, XXXX, and XXXX are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over XXXX consumer laws experian, XXXX, and XXXX are violating. 
XXXXXXXX XXXX, Account Number : XXXX On top of not sending verified proof and responding in the right amount of time, this account is a charge off with a balance of {$160.00}. 
A charge off means XXXX XXXX has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason experian, XXXX, and XXXX must delete. 
experian, XXXX, and XXXX are violating section 605 A 15 U.S. Code 1681 C-1 of FCRA- I never gave consent so this account is identity theft and fraud and must be deleted.

experian, equifax, and transunion are violating section 605 B 15 U.S. Code 1681 C of FCRA - since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account experian, XXXX, and XXXX must remove and block from my report. 
Also I respectfully Contacted XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not.

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