Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
Here is the letter that I sent to the three credit bureaus. All I received back was a credit report saying everything had been verified, which was what I was previously sent. I have not been sent any source documents verifying the derogatory information on my report.

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize and / or believe are inaccurate. The accounts in question are listed below.

I assume that your company has verified the accuracy of these disputed items before you published them on my credit report. Please provide me with copies of the documents that you have in your files as of this date that you used to verify the accuracy of the disputed accounts.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

It is my belief that the source documents used by the information provider are unreliable and that they have matched the disputed accounts to my credit file in error. Please verify that the social security number and signature on the credit application used to open these disputed accounts reported on my credit report is truly mine. You can do this by sending me a signed copy of the credit application that was used to open the disputed accounts. Please verify that all of the information given to you by the provider and then published on my report concerning these disputed accounts is accurate by sending me the documents you used to verify the accuracy of these items.

* * * IMPORTANT * * * Please dont respond to my request by saying that these accounts have been verified by the information provider. Send me copies of the documents that you have retained in your files that your company used to verify the accuracy of these disputed accounts.

I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report, you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

If you do not have any documentation in your files that verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these accounts. At best, you have only parroted what the information provider told you. The law is clear that a credit reporting agency does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

( Continued on next page ) I demand the following listed accounts be legally verified or removed immediately.

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX XXXX XXXX XXXX - they actually added derogatory information from 2 years ago XXXX XXXX XXXX * NOTE : Please also remove all non-account holding inquiries over 30 days old.

Thank You,

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