Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX SS # : XXXX  Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 1 . XXXX XXXX Bankruptcy Case Number XXXX XXXX Im a bit XXXX by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report.

2. XXXX Date of inquiry XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.

3. XXXX XXXX XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 4. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 5. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.

7. XXXX XXXX Account Number XXXX XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 8. XXXX Account Number XXXX XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.

9. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 10. XXXX XXXX Account Number XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.

11. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.

12. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this businessXXXX Please delete this account from my credit reportXXXX 13. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 14. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.

15. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX This is not my name. Delete it immediately from my report.XXXX16. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately. 17. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately. 18. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX This employer belongs to someone else. Delete it from my report immediately. 19. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX This employer belongs to someone else. Delete it from my report immediately. 20. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 21. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 22. The inquiry was not authorized XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 23. The inquiry was not authorizeXXXX XXXX XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 25. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 26XXXX XXXX Account Number XXXX XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account XXXX XXXX Account Number XXXX XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 28. XXXX XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 29. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 30. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 32. The inquiry was not authorized XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removedXXXX 33. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 34. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 35XXXX XXXX Account Number : XXXX* To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 36. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 37. XXXX Account Number : XXXX* To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.

38. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 39XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 40. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
41. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 42. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 43. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 44. XXXX XXXX Account Number : XXXX* Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.

45. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 46. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 47. XXXX XXXX Date of inquiry : XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.

48. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 49. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 50. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionableXXXX Either clarify this information to me or delete this account immediately from my credit report. 51. XXXX XXXX Account Number XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 52. XXXX XXXX XXXX Account Number XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.

53. XXXX XXXX XXXX Account Number : XXXX XXXXindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking XXXX per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Thomas Ward Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC XXXX Consumer Financial Protection Bureau CC XXXX Attorney Generals Office CC XXXX XXXX XXXX XXXX  CC : XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints XXXX XXXX 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