Consumer complaint received 2023-01-05
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: Investigation took more than 30 days

Complaint:
I sent experian, XXXX, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. experian, XXXX, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, 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. I demanded to see verifiable proof with my signature that experian, XXXX, XXXX have on file for the account listed below.. It has been more than 60 days and experian, XXXX, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof experian, XXXX, XXXX must remove the accounts and billing errors listed listed below. 
1. The following account is not mine XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 

2. The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXX XXXX XXXX XXXX Original filing dateXXXX XXXX XXXXXXXX Reference XXXX Record typeBankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing dateXXXX XXXX XXXXXXXX Reference numberXXXX  Record type Bankruptcy XXXX XXXX-dismissed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.this following account is reporting inaccurate information I was never late for this account XXXXXXXX XXXX Account numberXXXX Original balance {$28000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

XXXX this following account is reporting inaccurate information I was never late for this account XXXX XXXX Account XXXX Original balance {$15000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

XXXXThe following account is not mine XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized and I did not give permissible purpose to report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized and I did not give permissible purpose to report XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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