Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Subject : Demand for Deletion of Unverified and Fraudulent Accounts and Request for Accounting and Validation Dear Sir/Madam, I am writing to formally demand the immediate deletion of the following unverified and fraudulent items from my credit report. I previously requested that these accounts be validated, and to date, they have not been properly verified. These fraudulent accounts are causing significant damage to my credit standing and severe emotional distress. 

On XX/XX/year>, I sent a dispute requesting the method of validation for these accounts. This dispute was sent to : The dispute was sent via certified mail with tracking number XXXX and was received by your office on XX/XX/year>, at XXXX XXXX  Despite providing all necessary documentation, I received a response stating that the letter was not from me. This is a clear evasion of your responsibility to validate the disputed items. 

In light of this, I request that the following fraudulent accounts be deleted from my credit report within 30 days, failing which I will be forced to pursue legal action, which is well within my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I am submitting this letter as a formal request pursuant to the Uniform Commercial Code ( UCC ) Section 9-210 for an Accounting and Statement of Account. This request specifically pertains to the accounts in question.

Request for Accounting and Statement of Account under UCC 9-210 In accordance with UCC 9-210 ( a ) ( 2 ) and ( 4 ), I request the following : An Accounting of the unpaid obligations secured by the collateral involved in the aforementioned transactions. Please provide an authenticated record detailing all unpaid obligations to date.

A Statement of Account indicating the aggregate amount of unpaid obligations secured by the collateral. Please provide a detailed explanation of any discrepancies between your records and the statement I have provided.

Pursuant to UCC 9-210 ( b ), you are required to comply with this request within 14 days of receipt. Please ensure that your response includes all relevant information pertaining to the unpaid obligations, the list of collateral, and any necessary corrections to the statement of account. 

If there is no interest claimed on the obligations or the collateral at this time, as outlined in UCC 9-210 ( d ) and ( e ), please provide an authenticated record disclaiming any interest, along with the name and mailing address of any assignee or successor to your interest.

Request for Method of Validation under the FCRA In addition to the above, I demand answers to the following questions regarding your investigation of the disputed accounts : What information did your representatives uncover to justify reporting this item as it legally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. 
What was the cost to your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
Did you speak directly to any agent of the company reporting the information to confirm its accuracy? 
a. If yes, who did you speak to?

b. On what date?

c. How long was the conversation?

d. What was their position? 
e. What telephone number did you call? 
f. What is the name and position of the employee at your company who spoke directly to the above party?

g. How long has that employee been employed by your company?

h. What formal training was provided to this employee to investigate items of this kind?

i. Was there any e-mail or written communication between members of your company and the above party? If so, please provide copies of all correspondence. 
Supply copies of any and all conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency. 
Provide the specific date when reporting of these items will cease. 
Enclosed with your response to these questions, I respectfully request a notarized affidavit confirming that the information provided is true and correct. This affidavit should not be a form letter response. 

My initial dispute was detailed and directly related to the account in question. A template response is not acceptable. If you can not supply all of the requested information in a timely manner, including but not limited to the FCRA, I must demand the immediate and permanent removal of these items from my credit report. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the requested deletion or documentation, I will pursue the enforcement of my rights via court proceedings. I am prepared to represent myself XXXX  XXXX and will formally request a jury trial. 

Please respond accordingly within the stipulated time frame. 

Sincerely,

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