Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX XXXX. : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX, XXXX XXXX TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I have also included a copy of my credit report from Experian showing the inaccuracy and demand it be removed immediately. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

Please dont respond to my request by saying that these accounts have been validated. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and invalidated items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature, in the absence of any such documentation bearing my signature. I formally request that this information be immediately DELETED AND BLOCKED from the credit file you maintain under my Social Security number. 
Under the FCRA 15 U.S.C. 1681i, all invalidated accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove and block these accounts from my credit report. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I DO NOT CONSENT TO E-OSCAR OR ANY MEANS OF AUTOMATED VERFICATION. 


Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a smalls claims action against your credit bureau, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act My contact information is listed above. 
P.S. Please be aware that dependent upon your response. I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly validated or removed immediately. I am sending this letter certified so that it becomes a legal document. 

Name of Account : Account Number : Provide Physical Proof of Verification : XXXX, XXXX XXXX XXXX XXXX * NOTE : Please also remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX XXXX : Attorney Generals Office Cc XXXX 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 non-monetary relief