Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
To Whom It May Concern, As a consumer, I am beyond dissatisfied with the unacceptable negligence shown by your agency regarding the verification of the fraudulent items on my credit report. I demand full documentation of the steps taken by your agency to ensure the 100 % accuracy of these items, as required under 15 U.S.C. 1681i ( 7 ) Method of Verification. This statute clearly states that a credit reporting agency must provide, upon the consumers request, a detailed outline of the procedures used to verify the accuracy and completeness of the disputed items. This includes, but is not limited to : 1. The business name, address, and telephone number of the furnisher of information contacted.

2. The specific persons name with whom you verified the dispute.

3. Valid documentation is used to validate the dispute. 
Let me remind you that this information must be provided no later than 15 days from the date of this formal request, as required by law. I have previously requested the immediate blocking and removal of all fraudulent information, yet these items remain on my report : XXXX XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX - XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX - XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX  XXXX - XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX  XXXX - XXXX, The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.

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