Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : 609 Request for Verification of Accounts and Information Dear XXXX , I am writing to you under Section 609 of the Fair Credit Reporting Act ( FCRA ) to formally request that you verify the accuracy and completeness of the information on my credit report related to XXXX XXXX XXXX . In a recent application for credit with XXXX XXXX XXXX, I was denied based on the inability to obtain my credit score due to a supposedly incomplete or non-existent credit file. This situation has prompted me to verify the details within my credit file. 

Please provide me with the following : 1. Verification of any and all accounts reported on my credit file, specifically any entries related to XXXX XXXX XXXX or any other creditor. 


2. The method of verification used to report this information and any documentation or contracts bearing my signature used to verify the validity of these accounts or any associated inquiries. 


3. If any information in my report is incomplete or unverifiable, I request that it be removed immediately as required by the FCRA. 



For your reference, my personal information is provided below : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Drivers License : XXXX Enclosed with this letter are copies of my driver 's license, Social Security card, and a utility bill as proof of my identity and residency. 

I expect this matter to be handled promptly and to receive a response confirming the removal or correction of any unverifiable information within the next 30 days, as provided by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX Please provide me with the following : 1. Verification of any and all accounts reported on my credit file, specifically any entries related to XXXX XXXX XXXX or any other creditor. 


2. The method of verification used to report this information and any documentation or contracts bearing my signature used to verify the validity of these accounts or any associated inquiries. 


XXXX. If any information in my report is incomplete or unverifiable, I request that it be removed immediately as required by the FCRA. 



For your reference, my personal information is provided below : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Drivers License : XXXX Enclosed with this letter are copies of my driver 's license, Social Security card, and a utility bill as proof of my identity and residency. 

I expect this matter to be handled promptly and to receive a response confirming the removal or correction of any unverifiable information within the next 30 days, as provided by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, 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