Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 To Whom It May Concern : I received a copy of my credit report with the intention of trying 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 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant 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. 

Collection Account : XXXX, XXXX. 
Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Collection Account : XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Personal Loan : XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Closed Account : XXXX  XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Closed Account XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX Account : XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Closed Account : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Closed Account : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Closed Account : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Closed Accounts : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Closed Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address listed at the top of this letter. 

Thank you for your time and help in this matter. 


Sincerely, 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