Consumer complaint received 2024-07-17 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: OH

Complaint narrative:
To whom it may concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX - XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX - XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX - XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX XXXX- XXXX- You violated 15 U.S. Code 1681b regarding permissible purposes of consumer reports. I never gave written consent for any information to be reported. By law, you must delete these accounts immediately, or I will pursue monetary damages in small claims court. This matter has also been reported to the CFPB, Attorney General 's Office, XXXX, and FTC. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Why are there inaccuracies in my personal information on my credit report? Only the names, addresses, dates of birth, and social security numbers mentioned in this letter and the attached documents should be on my credit record. Any other information must be removed immediately. Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX XXXX - XX/XX/XXXX -Why are there inaccuracies in my personal information on my credit report? Only the names, addresses, dates of birth, and social security numbers mentioned in this letter and the attached documents should be on my credit record. Any other information must be removed immediately. Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Why are there inaccuracies in my personal information on my credit report? Only the names, addresses, dates of birth, and social security numbers mentioned in this letter and the attached documents should be on my credit record. Any other information must be removed immediately. Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Why are there inaccuracies in my personal information on my credit report? Only the names, addresses, dates of birth, and social security numbers mentioned in this letter and the attached documents should be on my credit record. Any other information must be removed immediately. Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX - XX/XX/XXXX - Why are there inaccuracies in my personal information on my credit report? Only the names, addresses, dates of birth, and social security numbers mentioned in this letter and the attached documents should be on my credit record. Any other information must be removed immediately. Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX - XX/XX/XXXX Why are there inaccuracies in my personal information on my credit report? Only the names, addresses, dates of birth, and social security numbers mentioned in this letter and the attached documents should be on my credit record. Any other information must be removed immediately. Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Why are there inaccuracies in my personal information on my credit report? Only the names, addresses, dates of birth, and social security numbers mentioned in this letter and the attached documents should be on my credit record. Any other information must be removed immediately. Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Why are there inaccuracies in my personal information on my credit report? Only the names, addresses, dates of birth, and social security numbers mentioned in this letter and the attached documents should be on my credit record. Any other information must be removed immediately. Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it.

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