Consumer complaint received 2023-05-13
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: Information belongs to someone else

Complaint:
To Whom it May Concern, I am writing to inform you that upon reviewing a copy of my consumer report file, I have noticed several items that are erroneous, inaccurate, and illegal. Therefore, I am requesting the description of the procedure used to validate the accuracy and completeness of these items on my consumer report. 

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 consumer 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 FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ).

Under the FCRA 15 U.S.C. 1681i, all inaccurate or incomplete or can not be verified accounts must be promptly deleted. Please be aware that in several cases, the courts clearly ruled that the credit reporting agencies couldn't merely parrot information from the creditors, collection agencies, and other sources. All credit reporting agencies must conduct an independent and reasonable investigation to ensure the validity of the debt in dispute. 

Do NOT shift the burden back to me, the consumer, to contact the original creditor to furnish verification. Also, pursuant to FCRA Section 623 ( a ) ( 3 ), if a consumer disputes an account, it must be marked as disputed. By publishing these inaccurate, incomplete, and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

The following erroneous information appears on my consumer report and so I demand to see verifiable proof ( an original consumer contract with my signature on it and permissible purpose for all inquiries to my consumer file ). 

Erroneous Personal Information Please DELETE these INACCURATE addresses from my personal information in my consumer file and UPDATE with the correct information. 

Address : XXXX XXXX XXXX XXXX GA XXXX My CORRECT and ONLY personal information is STRICTLY as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Inquiries Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. If you can't furnish permissible purpose, this is a violation of 15USC 1681b. 

XXXX - XX/XX/2022 XXXX Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature. Furthermore, these same accounts had been previously deleted from my consumer report and reinserted without notifying me within 5 days and that is a violation of 15USC 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

US DEPT OF EDUCATION XXXX Late Payments Please UPDATE the following accounts from my consumer file as I don't have any late payments unless you can furnish a detailed ledger of late payments for this closed account. If this account can't be verified with original signature it must be deleted. Under 15 USC 1666b a creditor may not treat payment on a credit account under an open end consumer credit plan as late for any purpose. 

US DEPT OF EDUCATION XXXX I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.

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