Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Investigation Request Letter To whom it may concern : I received a copy of my report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard which me write to you all. 
Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : DEPT OF ED/XXXX Account NumberXXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : DEPT OF ED/XXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : DEPT OF ED/XXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : DEPT OF ED/XXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : DEPT OF ED/XXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : DEPT OF ED/XXXX  Account Number : XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXXXXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name XXXX XXXX XXXX XXXX Account Number : Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX Account Number : Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX  Account Number : Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX XXXX  Account Number : Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX XXXX XXXX  Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX Please investigate if every piece of information is correct XXXX if not please remove from my credit report Account Name : XXXX Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX XXXX XXXX  Please investigate if every piece of information is correct, if not please remove from my credit report Account Name : XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove from my credit report I also read from this free lawyer guy that I can be updated. Could you please send it to me? I want the forms to be sent to the address I provided. 

Thank you for your time and help in this matter.

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