Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Notice of inaccurate Reporting To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect 1. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect 2. Previous Address ( es ) : XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect 3.Employers : XXXX XXXX 4 . The following personal information is incorrect XXXX : XXXX 5. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give XXXX permission to furnish this information. 
XXXX Date of inquiry : XXXX  Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 6. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 7. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX XXXX Date of inquiry : XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 8. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX XXXX Date of inquiry : XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 9. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 10. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 11. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 12. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 13. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. XXXX  Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 14. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX  Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 15. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 16. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX Date of inquiry : XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 17. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 18. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. 
XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 19. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX XXXX Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 20. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX XXXX Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 21. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX XXXX Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 22. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX XXXX Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 23. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 24. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 25. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 26. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 27. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXXXXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 28. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX XXXX  Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. I request/require this investigation to include the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to? 
b.On what date? 
c.How long was the conversation? 
d.What was their position? 
e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 

i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease.

Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 

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