Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that these accounts be deleted or updated as I have written in my complaint. 
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. in the results of your investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts?

You have NOT provided me a copy of ANY ORIGINAL documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( A ) ( 1 ) ( A ) & SECTION 611 ( A ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under SECTION 611 ( A ) ( 7 ). PLEASE BE ADVISED THAT UNDER SECTION SECTION 611 ( 5 ) ( A ) of FCRA- you are required to " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. '' The law is very clear as to the Civil liability and the remedy available to me ( SECTION 616 & 617 ) If you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR DELETED IMMEDIATELY. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  1. The inquiry was not authorized ACHIEVEPL/CRB Date of inquiry : XX/XX/year>XXXX  DELETE FROM CREDIT REPORT 2. Where's the proof that I had a legal obligation to pay this company, and that this is my account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT * please remove all non-account holding inquires over 30 days old. 
* please add a Promotional Suppression to my credit file.

Thank You, XXXX XXXX SS # : XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. in the results of your investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts?

You have NOT provided me a copy of ANY ORIGINAL documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( A ) ( 1 ) ( A ) & SECTION 611 ( A ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under SECTION 611 ( A ) ( 7 ). PLEASE BE ADVISED THAT UNDER SECTION SECTION 611 ( 5 ) ( A ) of FCRA- you are required to " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. '' The law is very clear as to the Civil liability and the remedy available to me ( SECTION 616 & 617 ) If you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR DELETED IMMEDIATELY. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Where's the proof that I had a legal obligation to pay this company and that this is my account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT * please remove all non-account holding inquires over 30 days old. 
* please add a Promotional Suppression to my credit file.

Thank You, XXXX XXXX SS # : 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