Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: AZ
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 XXXXXXXX XXXX XXXXXXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of the United States Code Law Subject : Dispute of Inaccurate and Unverified Information on Credit Report Dear Sir/Madam, I am writing to dispute certain items on my credit report that I believe are inaccurate, unverifiable, and invalid. I have reviewed my credit report from your agency and have identified the following errors : 1. XXXX Account XXXX : 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 Account XXXX : 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 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. 

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. 

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. 

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. 

XXXX. 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. 

XXXX. XXXX XXXX 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. 

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. 

XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  XXXX XXXX Account Number : 87 Please remove it from my credit report.

22. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be incomplete, inaccurate, or unverifiable. I request that you conduct a thorough investigation into these disputed items and provide me with the results of your investigation.

I am aware that under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. Furthermore, I request that you provide a description of the procedure used to determine the accuracy and completeness of the information within 5 days of completing your investigation. Please note that I do not consent to e-Oscar or any means of automated verification.

If any of the disputed items can not be verified within the specified timeframe, I demand their immediate removal from my credit report, as mandated by Section 611 ( 5 ) ( A ) of the FCRA.

I also want to emphasize that I am keeping a careful record of your actions, including your method of verification. Failure to respond satisfactorily and resolve these disputes may result in further action, including legal proceedings to enforce my rights under the FCRA. Please be aware of the potential financial consequences as stipulated in Section 616 and Section 617 of the FCRA.

Enclosed with this letter, please find copies of supporting documentation that substantiate my claims regarding the inaccuracies in the disputed items. I request that you consider this evidence during your investigation.

I expect prompt attention to this matter and a timely response. Please provide me with a written update on the status of my dispute within 30 days from the date of your receipt of this letter. 

Thank you for your prompt attention to this matter and your assistance in resolving these disputes. I look forward to a fair and accurate resolution. 

Sincerely, 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