Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that bureas have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I sent my previous request over 60 days ago in the first week of XXXX and it has still yet to be acknowledged. I have attached the letter that was sent a proof along with the tracking number. 

Please refer to my previous letter for the information that needs to be re-investigated. 

XXXX. XXXX XXXX Account Number : XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 2. XXXX XXXX Account Number : XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now XXXX. XXXX Account Number : XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 4. XXXX XXXX Account Number : XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 5.  XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 6. 11 XXXX Account Number : XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 7. XXXX Account Number : XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 8. This is inaccurate and looks like it may have gotten mixed or merged with another person 's file Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 9. This is inaccurate and looks like it may have gotten mixed or merged with another person 's file Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 10. This is inaccurate and looks like it may have gotten mixed or merged with another person 's file Account Number : Current Address ( es ) : XXXX XXXX XXXX APT XXXX XXXX, MI XXXX XX/XX/XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 11. This is inaccurate and looks like it may have gotten mixed or merged with another person 's file Account Number : Previous Address ( es ) : XXXX XXXX XXXX # XXXX XXXX, MI XXXX XX/XX/XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 12. This is inaccurate and looks like it XXXX have gotten mixed or merged with another person 's file Account Number : Employers : XXXX XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now XXXX. This is inaccurate and looks like it XXXX have gotten mixed or merged with another person 's file Account Number : Employers : XXXX XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 15. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now 16. XXXX XXXX Account Number : XXXX This Is not Metro 2 Compliant Please Delete it From My Credit Report Now The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, even with the new CARES you have sixty ( 60 ) days to complete your re-investigation. advised that the description of the proced
ure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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