Consumer complaint received 2024-09-02 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: ND

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report, I was appalled to discover multiple inaccuracies, unverifiable items, and unauthorized inquiries. These errors have caused me significant distress and are in direct violation of federal law, specifically 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report. I remind you that under 15 U.S. Code 1681i ( 5 ), any information that can not be verified or is found to be inaccurate must be promptly deleted or corrected. Failure to comply with these legal requirements is unacceptable and will not be tolerated. 

The following items are in dispute and must be addressed immediately : XXXX XXXX XXXX - XXXX - This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day and 60-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXXXX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!

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