Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently received a copy of my credit report that your company publishes and after receiving it, I found items in the report that are inaccurate. The account in question are listed below. These accounts are unauthorized. Please send me copies of the documentation 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 of 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. 

If you do not have any documentation in your files to verify the accuracy of the disputed accounts, then you are required by law to 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. 

I demand that you provide me with a copy of the verifiable proof that you have on file for the accounts listed below within 15 days of receipt of this complaint, then you must remove the accounts from my credit report, and I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Failure to remove the unverified accounts will result in legal matters being taken. 

Please remove all inquiries without Verifiable Proof of an original credit authorization with my Signature on it. 

Please add a Promotional Suppression to my credit file.

Fraud is any kind of artifice employed by one person to deceive another. Goldstein v Equitable Life Assur. Soc. Of U.s misc I demand the following accounts be verified or removed immediately!! 

Commercial Maxims To Be Applied : XXXX. ( XXXX XXXX ; Lev. XXXX ; XXXX. XXXX ; XXXX XXXX ; XXXX XXXX. XXXX : " It is against equity for freemen not to have the free disposal of their own property. " ). 
2. All are equal under the Law.

( God 's Law -- Ethical and Natural Law ). ( XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX. Legal maxims : " No one is above the law. " ; " Commerce, by the law of nations, ought to be common, and not to be converted into a monopoly and the private gain of a few. " ). 
3. In Commerce truth is sovereign. 
( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX. XXXX. Legal maxim : " To lie is to go against the mind. '' Oriental proverb : " Of all that is good, sublimity is supreme. " ). 
4. A matter must be expressed to be resolved. 
( XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX. Legal maxim : " He who fails to assert his rights has none. " ). 
8. He who leaves the field of battle first loses by default. 
( XXXX XXXX XXXXXXXX ; XXXX. XXXX. Legal maxim : " He who does not repel a wrong when he can, occasions it. " ). 
9. Sacrifice is the measure of credibility. 
( One who is not damaged, put at risk, or willing to swear an oath that he consents to claim against his commercial liability in the event that any of his statements or actions is groundless or unlawful, has no basis to assert claims or charges and forfeits all credibility and right to claim authority. ) ( XXXX  XXXX, XXXX  of XXXX, XXXX : XXXX He who bears the burden ought also to derive the benefit. " ). 
XXXX. A lien or claim can be satisfied only through rebuttal by Counter affidavit point-for-point, resolution by jury, or payment. 
( XXXX XXXX ; XXXX. XXXX ; XXXX. Legal maxim : " If the plaintiff does not prove his case, the defendant is absolved. " ). 

Name of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, XXXX, XXXX XXXX XXXX - All Rights Reserved

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