Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/2022 Date : Dear Sir or Madam/To Whom It May Concern, On last month I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. Thank you, reporting incorrect information on my credit report, the company has been out of business for a while now and they are still reporting incorrect information on my credit report, they have forged documents. we have asked for them to supply the original documents that I signed for a share deposit, but they can not supply us with my original signature, that I signed up for this, the documents they have supplied us are typed and then written in not acceptable, I was not told about a share deposit, and I did not sign up for a share deposit. I have never stayed at any apartment complex that requests a share deposit, I have heard about a security deposit but not a share deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect information. this share deposit was never mentioned in my lease agreement, I have asked for a year now to show us this in my lease agreement, and they have dropped the ball over a year now, you know why they can not supply the lease agreement with the share deposit because it was never mentioned to me when I signed my lease, please remove, I am asking nicely, next I will be going to court, and you will have to pay all the grieve you have caused me and my family for reporting this scam on my credit report. you know I have an attorney and we are not playing. What is a legal document 's meaning? In short, a legal document by definition is one that outlines an agreement between two or more parties that has been signed by mutual assent and in all other respects can be relied upon in court. please show me a legal document between us that I signed, not something you typed out and wrote on, not acceptable,

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