Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
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:
RE : 1.I don't remember being late on this account, please prove this! 
XXXX XXXX  Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2.section XXXX  you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX  Account XXXX Please remove it from my credit report. 
XXXX.section XXXX you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account XXXX Please investigate and delete from my credit report. 
XXXX.section XXXX  you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXXThe following information is outdated. I would like it removed from my credit history report account number XXXX ... ... ... XXXX XXXX XXXX  balance XXXX Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX account number XXXX Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX  XXXX  Account number XXXX Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX  XXXX  Account number XXXX Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX  XXXX  Account number XXXX Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX & account number XXXX XX/XX/XXXX Consumer disputes- reinvestigation in progress, Collection account Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all. 

XXXX XXXX XXXX XXXX Wa XX/XX/XXXX XXXX XXXX XXXX XXXX account/was a collection account, insurance claim or government claim or was terminated for default Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX Charge Off/Other Derog Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX days past due Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX  XXXX XXXX account XXXX  Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX  days delinquent XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX  Credit Card XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX  days delinquent Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Number XXXX XXXX Paid account/was delinquent 60 days past due XXXX Please investigate and delete from my credit report. 
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry i also will like to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late. 

If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required XXXX day timeframe.

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