Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: AZ
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:
Dear Sir/Madam, I am writing to inform you that I have discovered inaccurate, unverifiable, and invalidated information on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). As per my rights under the FCRA, I demand that you delete these items immediately to avoid litigation. 

I have previously sent you inaccurate erroneous items and a copy of this letter will become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation if you fail to comply with this offer of settlement. 

According to the FCRA, you are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. However, in the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly. '' I have not received a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' To avoid litigation, I request that you delete the following items from my credit report immediately, as they are either inaccurate, unverifiable, or invalidated : 1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

2. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity XXXX REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

8. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

14. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr US DEPT ED Account Number : XXXX Please remove it from my credit report. 

16. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 25. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

31. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr I hope this letter clarifies my situation and that you will comply with my request promptly. Failure to comply may result in formal litigation against your agency in accordance with the FCRA. 

Sincerely, 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