Consumer complaint received 2025-11-16 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:
Hello, I sent in Verified information to all credit bureaus containing credit alerts that I've been receiving over the last 10 years and I have been attempting to clean my credit. I have sent Experian the same information and asked for the proof of debt, XXXX XXXX contracts for several accounts on specific items on my credit reports, I've requested names and phone numbers of the companies or persons who verified this information in what they asked for which was 30 days. I've been given the run around and no proof requested that I owned the debt and I have not received any of that information. I wish to opt out of any company that can access my credit report without my written or verbal consent per the law. I have not been sent any assignment contracts and have concerns about a Company named XXXX XXXX account XXXX, high balance of XXXX dollars, I have not been sent the verifying information pertaining/ opening date of XXXX, no assignment contracts/Bill of Sale, no names XXXX XXXX and persons who verified this debt to this account, please remove immediately. A XXXX named XXXX XXXX XXXX account XXXX, high balance of XXXX dollars, open date XXXX date of XXXX on my report but has not been removed, please remove immediately. I opt out of any company pulling a soft or an hard Inquiry from my report without my written or authorized signature or verbal agreement. XXXX XXXX XXXX  has another account, high balance of XXXX dollars, open date XXXX date of XXXX and has not been removed, please remove immediately. I've been given nothing for verifying this debt. Please remove immediately. There are laws against this and they say that I can legally pursue for damages. I have not been sent any information or assigned contracts, no names, no company representation phone numbers for a XXXX named XXXX XXXX XXXX XXXX, account XXXX, it says that it's in collection but I've been given nothing verifying this debt, account opened XXXX high balance of XXXX dollars. I haven't been sent any verifying information for this debt, Please remove immediately. Another company named XXXX high balance of XXXX dollars/ open date XXXX. I haven't received any verified assignment contracts, names, company numbers or anything, Please remove immediately. I would like all verifying information be sent to me on paper and not in an email. I would like an updated XXXX  credit report once items are removed please. I have filed complaints and still haven't seen any results. Please remove immediately, they haven't given me the information for validating these items and they've had their XXXX grace day period. I have sent every credit bureau all my information for fraud alerts, different addresses, different cities, different companies such as XXXX  with my personal information being breached. I have done it all. Please remove immediately. I need proof that these companies are not Securitizing these debts and selling them to different companies.

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