Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The attached Dispute was provided and ignored. 

Proof of identification from Category 1 Social Security Card and Category 2 Drivers License was supplied and ignored in previous dispute request. The previous submission is attached. The Category 1 AND CATEGORY 2 PROOF IS INCLUDED IN THE LAST PAGES OF THE LETTER AND ATTACHED TO THIS COMPLAINT. 


THIS IS NOT A REPORT OF IDENTITY THEFT Experian has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX   XXXX XXXX - Account : XXXX BALANCE {$1000.00} Creditor : XXXX  XXXX XXXX - Account : XXXX BALANCE {$8500.00} Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) Creditor : XXXX XXXX XXXX   - Account : XXXX BALANCE {$3500.00} Creditor : XXXX XXXX XXXX - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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