Consumer complaint received 2024-06-14 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: AZ

Complaint narrative:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''?

Who verified these accounts??????

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to '' ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, Please check and validate this collection account. If it can not be validated, I request its removal from my credit report. Please ensure immediate removal of this. 

XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, Please check and validate this collection account. If it can not be validated, I request its removal from my credit report. I am requesting the removal of this account from my report because it contains several inaccuracies. 

XXXX : Account number : XXXX, Please investigate this collection account and validate its accuracy. If it is not validated, I request its removal from my credit report. Please remove this immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, Kindly look into this collection account and confirm its validity. If it lacks validation, please remove it from my credit report. This must be taken down at once. 

XXXX XXXX : Account number : XXXX, Clearly, there is an inaccuracy in labeling an account as charged off while still showing a balance. Please delete this account from my report owing to the many inaccuracies. 

XXXX XXXX XXXX : Account number : XXXX, Please investigate this late payment and update it to reflect that it has been paid. Please update the late payment to reflect it was paid on time. 

XXXX XXXX : Account number : XXXX, Please investigate this collection account and confirm its legitimacy. If it can not be validated, I ask for its removal from my credit report. I demand that this be taken down immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX, Can you examine this collection account and validate it? If validation is not provided, I would like this collection removed from my credit report. Please ensure prompt removal of this. 

XXXX : Account number : XXXX, It's evident that a charge-off account with a balance is an inaccuracy. Prompt removal of this is necessary. 

XXXX  XXXX : Account number : XXXX, Can you investigate and validate this collection account? If it can not be validated, I would like it removed from my credit report. This needs to be removed immediately. 

Sincerely, XXXX XXXX XXXX

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