Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ssn XX/XX/XXXX To Whom It May Concern, Dear, Dear, Experian, / XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 


I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 


Under 15 US. Code 1681a ( 2X8 ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report if a social capital one I demand you to delete this item asap Delete immediately not mine 1.Demand you to delete this item asap Delete immediately not mine XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
This agency is in violation of 15 U.S.C. 1692g. 
They were to notify me of this in writing 14 days ( new rule ) instead of 5 days prior I was not. I can only validate this debt. I do not wish to validate this debt. Initial means existing or occurring at the beginning I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely, Thank you, XXXX XXXX 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