Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security : XXXX XXXX XXXX Experian To Whom It May Concern, [ Date : XX/XX/XXXX ] URGENT MATTER I am writing to formally dispute and request the immediate removal of fraudulent accounts and information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent entries and will be challenging them based on violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
I request the removal of the following fraudulent non-mailable addresses : 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 XXXXXXXX Additionally, I request the removal of the following fraudulent accounts from my credit report : XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Credit Card In accordance with the FCRA, I demand that you comply with the following provisions : 15 U.S.C. 1681 : I have the right to privacy and confidentiality, and the listed fraudulent items must be removed from my credit report.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may report any information that is adverse and exceeds seven years from the date of occurrence, except records of criminal convictions.

15 U.S.C. 1681s-2 : A person or entity shall not provide any information to consumer reporting agencies if the information is inaccurate, and your company is responsible for ensuring the accuracy of the accounts listed above.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information provided to them. 
If the above accounts and addresses can not be verified within the 30-day period stipulated under FCRA Section 609 and 611, they must be removed immediately. Failure to comply will result in legal action, and I reserve the right to file a small claims action against your company for any damages caused. 
Please confirm receipt of this letter and provide the necessary documentation verifying the legitimacy of the fraudulent accounts listed above. I expect a response within 30 days, as mandated by federal law. Failure to provide a satisfactory response will result in legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

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