Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: NY
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:
Today 's Date is : XX/XX/2020 I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention My Accurate legal full name is exactly : XXXX XXXX I do NOT want any name other than what I listed above to be retained or reported. 

Please delete any other names that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 

My Accurate complete address is : XXXX XXXXXX/XX/XXXX XXXX XXXX, NY XXXX I do NOT want any name other than what I listed above to be retained or reported. 

Please delete any other addresses that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 

My Accurate FULL legal Social Security is : complete address is : XXXX If any other social security number is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other social security number is listed Please delete at once or provide evidentiary PROOF the legal right to retain such information. 

My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information. 

Thank You! 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, NY XXXX SSN # XXXX D.O.B. XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and false accusations. 

It is my understanding that Under the FCRA 15 U.S.C. S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with permanent DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleged Creditor : XX/XX/XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 

Alleged Creditor : XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 

Alleged Creditor : XXXX XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 

Alleged Creditor : XX/XX/XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 

Alleged Creditor : -, Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 

Alleged Creditor : -, Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 

As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the related regulations, mentioned or that if any or each item being reported is challenged for its legal reportability in which case and I am doing such, I demand as my legal rights allows that you follow the mandated as required by Data Furnisher to demonstrate in unabridged sufficiency of the facts exactly as composed and relayed to you. This includes a substantial display of all law requisites such as proof of documented identity of the individual alleged as having ownership or proven responsibility of alleged accounts which are still making unfounded claims in my report. 

I am seeking every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes as well as anything even unknown to be provided with required documentation. Otherwise, DELETE PROMPTLY if there is any deficiency to provide the requested information as Federally defined in a timely manner. 

I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance. Have a wonderful Day. 

Thank You, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX,XX/XX/XXXX XXXX SSN # XXXX D.O.B. 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