Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
To Whom it may concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This will be my THIRD ATTEMPT to have the below referenced accounts removed from my report as they are reporting INACCURATELY and the reporting agencies have refused to acknowledge or comply with my two previous written letters. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file PROVING that the alleged debts are mine. Your failure to positively verify these accounts has hurt my ability to obtain credit and has caused much stress. 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. I demand the following accounts be verified or removed immediately : XXXX  XXXX Pursuant to XXXX this account has also reached its statute of limitations on debt in Alabama and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY. XXXX XXXX XXXX XXXX to XXXX this account has also reached its statute of limitations on debt in Alabama and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY. XXXX XXXX XXXX - Pursuant to XXXX this account has also reached its statute of limitations on debt in Alabama and can no longer be collected on. I HAVE NEVER MADE A PAYMENT ON THIS ACCOUNT. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY.. DEPT OF ED / XXXX - Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. ORIGINAL CREDITOR ; XXXX XXXX XXXX XXXXXXXX- This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELY

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