Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX The following information is outdated. I would like it removed from my credit history report XXXX I went to a dealership and i ask aboutt a car, the guy ran my credit without my permission running my credit with a-lot of dealerships. I want all these hard inquiry remove asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX please remove all of these The inquiry was not authorized I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Recently I checked my credit report and noticed multiple billing errors under 12 U.S Code 1666 ( b ) billing error- with XXXX XXXX XXXX different bureaus are showing paid and not paid also different dates i will like this remove asap!!!! As if know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

As a consumer by law these accounts on this must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claim court in my city and state under 12 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ) The items below should all be updated to paid as agreed on my consumer report. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligatory.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 


Thank you for your time and help in this matter.

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