Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted 2 request to the credit bureau for accounts listed on my credit report. These requested have not been handled properly and have been stalled or have been left corrected. 

I submitted the below request 2x over the last 3 months. The bureau has not removed the unverifed accounts or provided proof of verification such as contracts with my signature on it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX {$1000.00} XXXX Reported : XXXX. XXXX, XXXX {$1000.00} XXXX XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX Reported : XXXX. XXXX, XXXX {$620.00} XXXX XXXX Reported : XXXX. XXXX, XXXX {$2400.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$2600.00} XXXX  XXXX  Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX  XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. 

Followed by a second letter as shown below XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date:XXXX To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On [ XX/XX/XXXX ] your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. 


This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

1. XXXX XXXX 2. XXXX/XXXX  3. XXXX XXXX 4. XXXX  XXXX  5. XXXX ACCT XXXX XXXX. XXXX/XXXX  Thank you, XXXX 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