Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

XX/XX/year> I just looked at my credit report and was shocked to see the numerous errors you have listed. I am writing to have you remove them immediately. I've sent out a letter through the USPS tracking number : XXXX. I have not heard anything from Experian in regards to the accounts listed below The following account needs to be removed immediately, Account Name : XXXX XXXX XXXX Account Number : XXXX. Reason : please verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

The following account needs to be removed immediately, Account Name : XXXX XXXX. 
Account Number : XXXX. Reason : please verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

The following account needs to be removed immediately, Account Name : XXXX XXXX XXXX Account Number : XXXX. Reason : please verify and validate all data for this account, every notation, dates, and balances, whether reported or not. 

Creditor Name : XXXX XXXX XXXX. Date of Inquiry : XX/XX/year>. Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof, I would like it removed immediately. 

Creditor Name : XXXX XXXX, Date of Inquiry : XX/XX/year>. Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof, I would like it removed immediately. 

Creditor Name : XXXX XXXX XXXX, Date of Inquiry : XX/XX/year>. Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof, I would like it removed immediately. 

Please remove it from my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation.