Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom it May Concern : Please IMMEDIATELY DELETE the items listed below found on my credit report and provide me with copies of any documentation associated bearing my signature ( An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. ), and a complete description of the investigation procedure per item as required by the Fair Credit Reporting Act : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

In your agencys requirement of my identification information, you do not have my permission to use it for any purpose outside of identifying me as the person disputing the items on my report. It is unethical not to mention illegal for you to use my information to update erroneous information provided by creditors. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission. 

Upon receiving a copy of my credit report, I am disputing the following items : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX never late XXXX  XXXX never late I am unaware of accounts with these companies as reported. 

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 ) ( 5 ), and I am keeping careful record of your actions. 

Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company and every other remedy provided by law. 

I fully intend to seek {$1000.00} per item in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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