Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
No Public Record items appear on your report. 
Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$1300.00} written off. 
Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$1200.00} written off. 
Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$1400.00} written off. 
Account name XXXX XXXX XXXX   Account number XXXX .... 
Recent balance {$1000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 
Account name XXXX Account number XXXX .... 
Recent balance {$470.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$470.00} written off. {$470.00} past due as of XXXX XXXX. 
Account name XXXX Account number XXXX .... 
Recent balance {$500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Account name XXXX XXXX Account number XXXX .... 
Recent balance {$1400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXX Account number XXXX .... 
Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXX Account number XXXX .... 
Recent balance {$470.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXX Account number XXXX .... 
Recent balance {$130.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$130.00} written off. {$60.00} past due as of XXXX XXXX. 
Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$75.00} past due as of XX/XX/XXXX. 
Account name XXXX  XXXX XXXX Account number XXXX .... 
Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXXXXXX XXXX Account number XXXX .... 
Recent balance {$1200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Account name XXXX  XXXX XXXX Account number XXXX .... 
Recent balance {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXXXXXX XXXX Account number XXXX .... 
Recent balance {$480.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account name XXXX  XXXX XXXX Account number XXXX .... 
Recent balance {$400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$400.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXXXXXX XXXX Account number XXXX .... 
Recent balance {$480.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXX XXXX Account number XXXX Recent balance {$450.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$480.00} written off. 
Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$1500.00} written off. 
Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$400.00} written off. 
Account name XXXX/XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$480.00} written off. 
Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$400.00} written off. 
Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$2400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$1000.00} written off. 
Account name XXXX/XXXX XXXX Account number XXXX .... 
Recent balance {$2900.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2900.00} written off. {$2900.00} past due as of XX/XX/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 non-monetary relief