Consumer complaint received 2022-06-14
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: Their investigation did not fix an error on your report

Complaint:
I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICE INACCURACIES AND/OR INCOMPLETE INFORMATION, AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 611 ( 5 ) ( A ) OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE, OR WHICH CAN NOT BE VERIFIED. 


IT IS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C 1681, EVERY SINGLE ONE EVEN ANY OR ALL OF THE ON PROVEN, NON-COMLIANT, INCOMPLETE, UNTRUE, INCORRECT, AND OR UN-VERIFIED ASPECT OF ANY ALLEGED DEREGATORY ACCOUNT MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNT ARE TO BE COMPLETELY DELETED. 


I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT ARE ADHERING TO MANDATED XXXX XXXX DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATORY THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATIONS ARE EITHER UNTRUE, UNVERIFIED, INACCURATE, INCOMPLETE, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT GIVEN COMPLIANT TO REGULATORY FEDERAL REPORTING LAWS AND STANDARD AND MUST BE REMOVE IMMEDIATELY, DO SO TODAY, EVEN RIGHT NOW. 
THE OBVIOUS INFACTIONS ARE AS FOLLOWS. 

ALLEGING CREDITOR AND ACCOUNT AS IS REPORTED ON MY CREDIT XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Status Charge-off Status date XX/XX/XXXX Past due amount {$2000.00} Highest balance {$2000.00} Monthly payment XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Status Charge-off Status date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Balance on XX/XX/XXXX - Original loan amount {$6000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan XXXX XXXX XXXX 3 LATE PAYMENTS Balance details Balance on XX/XX/XXXX XXXX Original loan amount {$1000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, was past due 60 days Status date XX/XX/XXXX Past due amount Original loan amount {$1000.00} Monthly payment XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$800.00} Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1800.00} Original balance {$1500.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 67 % of this account is paid off Balance on XXXX XXXX, XXXX {$8700.00} Original loan amount {$26000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER THE STANDARDS OF REPORTING COMLIANCE IMPLEMENTED WITH CRSA ENACTED XXXX XXXX XXXX COMPLIANCE REGULATIONS, I DEMAND THAT THESE ABOVE MENTION DEROGATORY ITEMS BE INVESTIGATED AND PERMANENTLY REMOVE FROM MY REPORT.

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