Consumer complaint received 2024-02-27 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:
I received my credit report from EXPERIAN. After reviewing it, I found that the information provided on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. 

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. I attempted to contact EXPERIAN and received NO response to my request. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item ( s ) listed on my credit report. 

Account Name : XXXXXXXX XXXX Type : Revolving - Account : XXXX I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Type : Revolving - Account : XXXX I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to XXXX XXXX, this creditor had 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report. 

Account Name XXXX XXXX XXXXXXXX XXXX Type : Revolving - Account : XXXX I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

PLEASE REMOVE THESE ACCOUNT EFFECTIVE IMMEDIATELY

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