Consumer complaint received 2024-07-25 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: MD

Complaint narrative:
Request for the Removal of Fraudulent account Information I am writing to demand the removal of any derogatory information on my credit report that has not been proven to be fully true, correct, complete, and certified in compliance with relevant laws.

I insist on the immediate removal of any information that lacks testimonial, physical verification, and certification. Under the law, it is prohibited to retain or report misleading or unverified information. As a consumer, I have formally notified you of these issues and request the immediate deletion of the unlawfully reported information detailed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 

XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report and FTC. 
A JOINT ACCOUNT? Please remove it from my credit report. 

2. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report ARS ( Original XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 

3. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 

XXXXXXXX XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report and FTC. 
Please investigate and remove from my credit report. 


4. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not, this COLLECTION account can not report. Please remove this account immediately. 

XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report and FTC. 
Please investigate and remove from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number XXXX This is not mine. I am a victim of ID Theft and I have included a police report and FTC. 
Please remove it from my credit report. 


Respectfully, I kindly request to be furnished with evidence supporting the existence of the alleged item on my credit report. Specifically, I require a contract, note, or any other document bearing my signature. Please do not respond with a standardized letter regarding this request. 
If you are unable to provide the requested proof, I insist on the immediate removal of the item from my report. This information is entirely FRAUDULENT, INACCURATE AND INCOMPLETE, constituting a significant error in your reporting. I kindly ask that you delete this MISLEADING information and distribute a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Furthermore, I request the disclosure of the name, address, and telephone number of each credit grantor or other subscriber. 
Please be reminded that federal law grants you XXXX ( XXXX ) days to conduct a thorough investigation. Additionally, I request a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( XXXX ) days following the completion of your investigation.

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