Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 0f SSN: XXXXEquifax Information Services, LLC\nXXXX XXXX XXXX GA XXXXATTN:EQUIFAX\nRE: To Whom It May Concern,\nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations\nANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any\ninformation now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which\ngoverns your practice or reporting consumer credit profiles.\n1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If\nANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing\nupon my consumer rights.\n2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\nto retain or report without infringing upon my consumer rights.\n3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY\nplease DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my\nconsumer rights.\n4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\nto retain or report without infringing upon my consumer rights.\n5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not\nauthorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or\nproduce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n1. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or\nretained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or\nreport without infringing upon my consumer rights.\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL\nAND STATE REQUISITE REPORTING\nCOMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF\nEXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED\nTESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH,\nCORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS,\nRESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY\nRIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH\nINJURIOUS ,UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE\nENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS , REGULATIONS, PRECEDENCE,\nAND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT\nDELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT\nALLEGATIONS:\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FULTHER\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OFXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE\nNUMBERS/CONTACTS OF:XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OFXXXX XXXX XXXX XXXXPlease Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain\nor report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and\naccuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to\nor retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially\ncomposed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you:\ni)Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in\nchicanery lead subterfuge.\nii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and irrefutable), so\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\niii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in the\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so legally\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\niv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in\nthe application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\nv)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully CONFIDENT in\nthe assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of\nexacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally there can be\nno truth assumed to the allegations of which you report in chicanery lead subterfuge.\nvi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully\nCONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\nvii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully\nCONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the\nreporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for\nreporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in\nchicanery lead subterfuge.\nviii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY\nREPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL\nunmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim\nin the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark\nunproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and\npermanent deletion any or even one not irrefutable allegation(s) deficient of physical composed writ certificate(s) in\ntestimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented\nevidence of precise and willfulness to comply with every single one even any and or all of the requisite\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not.\nAttest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance(s)\notherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your\nresponsibility to 100% accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated.\nFederal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might\nbe remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights\nand violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates\nincluding but not limited to every date and balance, each calculation and audit, the invoices and documented current\nidentities, every notation not to forget the five (5) portioned personal identifiers, 426 character P-6 statements,\nalpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code(s), the 3 applicable and\nprecise sequenced 386 pieces of confirmation to collect(-ions) or any obligation else-wise. Return or Retain federally\nrequired compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any\naspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven\nCompliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH,\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise\nirrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to\nrectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,\nCOMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you\nused for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as\noriginally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action\nas complicit in this data breach of my personal information.\n1. 2. 3. Tell me in writing what information you refuse to remove and why.\nTell me in writing what you did to determine that the information was accurate.\nNote the information as disputed BY the CONSUMER on my credit report.\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the\nphysical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise,\nanyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 USC 1681i(a)], these disputed items must be\nreinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be\nremoved from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also\nrequesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\nPlease notify me that the above items have been deleted pursuant to  611 (a)(6) [15 USC  1681j (a) (6)]. I am also\nrequesting an updated copy of my credit report, which should be sent to the address listed below. According to the\nprovisions of  612 [15 USC  1681j], there should be no charge for this report. If you have any questions or need additional\ninformation, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this\ncompleted since this is my NOT my first time contacting your organization.\nFURTHER,CONFIRM the five key components of our individual identities in case this data breach becomes yet another\ncase potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers..\nTherefore, I must request that your bureau confirm in writing the following personal information: 1- FULL LEGAL NAME as it\nAppears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4 digits) 4Date of Birth 5- Zip Code for\nmy Home Address.\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\ndatabasing of alleged trade-line information occurs. Per CRSA, auto-populating ANY data field input entry and or application\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\nrelevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\nconsumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\nAgreement (CRSA.)\nIs the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct, and complete to\nstandards of CERTIFIED METRO 2 COMPLIANCE?\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\naccusations injuring me immediately, TODAY even NOW and HERE!\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault.\nPlease demonstrate readily and timely the precise confirming facts of the alleged account including every single one even\neach any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the\ndeficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance,\ncalculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement,\nany alpha/numeric and or alphanumeric source4 code deciding the rightness states, and even every aspect of the mandated\n386 pieces of confirmation to collection.\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain,\nmaintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible\naccuracy of consumer credit information as described in at least 15 U.S.C.  1681. There is little doubt that you have no\nevidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and\nhas been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its\nproper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER,\nCONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially\nleading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN\nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I\nmust request that your bureau confirm in writing the following personal information:\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\ndatabasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\nCRAa. Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\nCOMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\nCONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\nrelevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\nconsumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\nAgreement (CRSA.) Is the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct,\nand complete to standards of CERTIFIED METRO 2 COMPLIANCE?\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\naccusations injuring me immediately,TODAY even NOW and HERE!\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only\nmust be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\nconsumer reporting repositories.\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG ,as undoubtedly reporting not only\nmust be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\nconsumer reporting repositories.\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the\nCRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be\ninvestigated and permanently removed from my report. It is my understanding that you will recheck these items with the\ncreditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15\nU.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for\nthis updated report. \n\nUpon reviewing my recent credit report, I have identified several unauthorized and\npotentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed\ncompanies to access my credit file.\nThe inquiries in question are as follows: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 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 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 XXXXIn accordance with the Fair Credit Reporting Act (FCRA), section 611, I am formally\nrequesting that you validate each of these inquiries. Please provide any documentation\nbearing my signature that authorizes the inquiries. If such documentation cannot be\nproduced, I respectfully demand that these unauthorized\ninquiries be permanently removed from my credit file.\nEnclosed are copies of my identification to assist with your investigation. Please be advised\nthat you have\n30 days from the receipt of this letter to conduct your investigation and respond accordingly.\nThank you for your prompt attention to this matter. I look forward to your confirmation that\nthe disputed\ninquiries have been removed or a detailed explanation supported by valid documentation."

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