Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: MO
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:
There are numerous account through XXXX/XXXX XXXX XXXX that are inaccurately reporting on my credit reports. The accounts have been listed long than the statue of limitations and are in good standing. These accounts have previously been removed and then have been added back to my report several times. This is negatively affecting my credit score and my ability to borrow to purchase a home. I am requesting that the accounts below be removed from my report immediately upon receipt of my request. 
These are the accounts below that need to be removed due to violation of the fair credit reporting act. 
To whom it may concern, 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 several 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. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


Accounts : XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$9400.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$8400.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$7200.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$6000.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$5300.00} Good XXXX  XXXX XXXX Last reported : XX/XX/XXXX + {$4700.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$4600.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX +  {$4500.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$4500.00} Good XXXX  XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$4300.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$3600.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX +  {$3500.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$3500.00} Good XXXX  XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$3100.00} Good XXXX XXXX XXXXXXXX / XXXX Last reported : XX/XX/XXXX + {$3000.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX +  {$2200.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$2200.00} Good XXXX  XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$2000.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX +  {$1800.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$1500.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$1200.00} Good XXXX  XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$530.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/XXXX + {$450.00} Good XXXX XXXX XXXX / XXXX Last reported : XX/XX/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 non-monetary relief