Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
To Whom It May Concern, This letter serves as an official notice and demand for immediate action regarding the grossly inaccurate, unverifiable, and fraudulent information that your agency has irresponsibly reported on my credit file. My recent investigation into my credit report revealed numerous inaccuracies that have caused me severe emotional distress, including XXXX, as a direct result of your agency 's negligence. Under 15 U.S. Code 1681e ( b ), your agency is legally obligated to ensure the maximum possible accuracy of the information contained in a consumers report. It is clear that you have failed to meet this standard, and I am holding you accountable. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, your agency is required to promptly delete that information or modify it as necessary. You are further obligated to notify the furnisher of the information of any deletions or modifications. I am giving you a strict deadline : if you can not provide me with verifiable proof of the accuracy of the items listed below within 15 days, you are required by law to delete these items from my credit report immediately. Failure to comply will result in legal action against your agency for violating federal law. 

XXXX XXXX Account XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXXXXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXX XXXXXXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX XXXX XXXX has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

The items below should all be removed from my consumer report under 15 US Code ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). 

XXXX XXXX XXXXXX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX XXXXXX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX XXXX XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX XXXX XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.

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