Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Immediate Removal and Deletion of Inaccurate Accounts Dear Sir/Madam, I am writing to formally request the immediate removal and deletion of the following accounts from my consumer report, as they have been inaccurately reported without proper notice or my consent. The relevant accounts are as follows : XXXX XXXX XXXX XXXX XXXX ** - *XXXX Account # : ** XXXX - **Experian Account # : ** XXXX - XXXX  Account # : ** XXXX XXXX Account Type : XXXX ( Credit Card ) - Balance : {$6400.00} - Status : XXXX  - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian & XXXX ) - Last Reported : XX/XX/XXXX ( XXXX XXXX Experian ), XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX : ** XXXX XXXX Account # : ** XXXX - **Experian Account # : ** XXXX - *XXXX  Account # : ** XXXX - Account Type : Collection - Balance : {$7100.00} - Status : XXXX - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian & XXXX ) - Last Reported : XX/XX/XXXX ( XXXX & Experian ), XX/XX/XXXX ( XXXX ) XXXX CO XXXX XXXX ** - *XXXX  Account # : ** XXXX - **Experian Account # : ** XXXX - XXXX  Account # : ** XXXX - Account Type : Installment ( Child/Family Support ) - Balance : {$1200.00} ( XXXX & Experian ), {$1200.00} ( XXXX ) - Status : XXXX - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian & XXXX ) - Last Reported : XX/XX/XXXX ( XXXX & Experian ), XX/XX/XXXX ( XXXX ) **SDA/Lublin : ** - **Equifax Account # : ** XXXX - Account Type : XXXX ( Rental Agreement ) - Balance : {$1000.00} - Status : XXXX XXXX XXXX  - Date XXXX : XX/XX/XXXX - Last Reported : XX/XX/XXXX None of the creditors or collection agencies provided proper notice within the specified time frame, nor did I instruct or give written consent to furnish any information on my consumer report. Additionally, re-aging accounts by updating dates is a violation of the FCRA Section 605 ( c ). 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e, 15 U.S.C. 1681b, 15 U.S.C. 1681 ( e ) ( b ), 15 U.S.C. 1681i, 15 U.S.C. 1681i ( 5 ) ( a ) ( i ), 15 U.S.C. 1692b, and 15 U.S.C. 1692c, I request that you take the following actions immediately : 1. Remove and delete the inaccurate accounts listed above. 
2. Provide detailed information regarding the steps taken to verify the validity of these alleged debts. 
3. Ensure that these accounts are permanently removed from my consumer report and notify me in writing once this has been completed. 

Please be advised that for every violation of my consumer rights under the FCRA, I shall be compensated up to {$1000.00} as stipulated by the law. Failure to comply with this request will result in further action. 

I appreciate your prompt attention to this matter and expect a response within XXXX  days. 

Sincerely,

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