Consumer complaint received 2024-09-09 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: MN

Complaint narrative:
To Whom It May Concern, This letter is a formal demand for immediate action regarding the gross inaccuracies present in my consumer credit report. I lawfully obtained these reports under the Fair Credit Reporting Act ( FCRA ), which explicitly mandates that all items must be 100 % accurate, 100 % verifiable, and 100 % completeno exceptions. Furthermore, the Act stipulates that no item may be reported outside the legally allowable period. I am formally demanding that you provide proof that each tradeline is not only 100 % accurate, complete, verifiable, and timely, but that your records fully comply with all federal regulations. Anything less than full compliance will not be tolerated. Specifically, the following tradelines must be addressed immediately, with supporting documentation to prove your compliance with the law, or they must be removed from my report without delay : XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX XXXX XXXX XXXX  The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. 

XXXX XXXX XXXX XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. 

Bankruptcy - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. 

XXXX XXXX XXXX XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. 

XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX XXXX XXXX XXXX  I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. 

XXXX XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. 

XXXX XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. 

XXXX XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. 

XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. 

XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. 

XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. 

XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus.

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