Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To anyone who can assist me, When checking my credit report I am very upset about the following incorrect things I found on my credit report. These accounts are unverifiable, invalidated, inaccurate, and just not true. If everything isn't 100 percent accurate it must be removed. I hope you determine what is going on as soon as possible. Can you please help me with this situation in a timely fashion? I understand that you will do an investigation immediately and a new credit report should be sent to me with the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you have to remove the accounts and the information listed below. Forgive me for being overly stern, however, this is very important to me that everything is accurate. Thank you for your help with this matter. 

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXXXXXX XXXX  3. The following personal information is incorrect Account Number : Also Known As : XXXXXXXX XXXX XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX XXXX XXXX XXXXXXXX, VA XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following information is outdated. I would like it removed from my credit history report Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXXXXXX XXXX  8. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX  9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, VA XXXX 11. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 12. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 13. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXXXXXX XXXX 14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX, VA XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you.

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