Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, 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. 

1. Under the FCRA this account may not appear on my credit report if it can not be supported by any documents / evidence. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. You sold this account to a COLLECTIONS AGENCY. This made me VULNERABLE to IDENTITY THEFT. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. You sold this account to a COLLECTIONS AGENCY. This made me VULNERABLE to IDENTITY THEFT. 
XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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 verified. 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 unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified 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 these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON 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. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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