Consumer complaint received 2019-07-06
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report I see an entry listings I owe a negative balance on my reports I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature I REPEAT BEARING MY SIGNATURE. 

1.XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX REMOVE ALL LATE PAYMENTS FROM MY FILE In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX   Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXXXXXX Date of Inquiry : XX/XX/XXXX2.XXXX XXXX   Date of Inquiry : XX/XX/XXXX 3.XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX 4.XXXX XXXX   XXXX Inquiry from XX/XX/XXXX 5XXXX XXXX Date of Inquiry : XX/XX/XXXX 6.XXXX  XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


Change of address Please update/correct my personal information on file with your company. 

Please update my address to : [ XXXX XXXX XXXX, XXXX GA XXXX ] Please update my name to : [ XXXX XXXX ] My only employer is : [ XXXX XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses of my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

REMOVE XXXX XXXX LATE PAYMENTS REMOVE ALL INQUIRIES UPDATE MY ADDRESS AND EMPLOYMENT

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