Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
THESE ACCOUNTS ON MY REPORT ARE REPORTING INACCURATELY AND I DID NOT GIVE WRITTEN CONSENT FOR THEM TO BE POSTED ON MY CREDIT REPORT. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. in the results of your investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY ORIGINAL documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( A ) ( 1 ) ( A ) & SECTION 611 ( A ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under SECTION 611 ( A ) ( 7 ). PLEASE BE ADVISED THAT UNDER SECTION 611 ( 5 ) ( A ) of FCRA- you are required to " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. '' The law is very clear as to the Civil liability and the remedy available to me ( SECTION 616 & 617 ) If you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR DELETED IMMEDIATELY.

1. Where's the proof that I had a legal obligation to pay this company, and that this is my account XXXXXXXX XXXX XXXX Account Number : XXXX DELETE FROM CREDIT REPORT 2. Section 623 states that the creditor can not continue to report it when disputed unless they have proof to the contrary XXXX XXXX XXXX Account Number : XXXX DELETE FROM CREDIT REPORT 3. Where's the proof that I had a legal obligation to pay this company and that this is my account XXXX XXXX XXXX Account Number : XXXX DELETE FROM CREDIT REPORT 4. Where's the proof that I had a legal obligation to pay this company, and that this is my account XXXX XXXX XXXX Account Number : XXXX DELETE FROM CREDIT REPORT 5. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE OFF MY CREDIT REPORT 6. DATES OF LAST ACTIVITY DO NOT MATCH XXXXXXXX XXXX XXXXXXXX Account Number : XXXX DELETE FROM CREDIT REPORT 7. How can this account be closed, and yet it states that I am still paying on it in the monthly payment section? Once an account is closed, there should be no monthly payment unless the status says " now paying was charged-off '' XXXX XXXX Account Number : XXXX DELETE FROM CREDIT REPORT 8. Where's the proof that I had a legal obligation to pay this company and that this is my account XXXX XXXX XXXX Account Number : XXXX DELETE FROM CREDIT REPORT 9. PLEASE VERIFY THIS ACCOUNT. IT IS NOT MATCHING THE OTHER CREDIT BUREAUS XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

10. doesn't show transferred/sold but does not say paid and doesn't have a balance THE BANK OF MISSOURI Account Number XXXX XXXX Please remove it from my credit report. 

11. XXXX XXXX AGREED TO DELETE ALL DEROGATORY COMMENTS ONCE THE ACCOUNT WAS PAID IN FULL AS YOU CAN SEE THE ACCOUNT WAS PAID IN FULL PLEASE DELETE ALL DEROGATORY COMMENTS AND ALLEDGE LATE PAYMENTS XXXXXXXX XXXX XXXX XXXX Account Number : XXXX DELETE FROM CREDIT REPORT 12. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX 17. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : BRIO XXXX XXXX XXXX. I HAVE NO ACKNOWLEDGEMENT OF THIS ACCOUNT EVEN THO IT WAS PAID IN FULL PLEASE DELETE FROM MY CREDIT REPORT OPPORTUNITY FINANCIA Account Number : XXXX DELETE FROM CREDIT REPORT 22. The following personal information is incorrect Account Number : Former : XXXX XXXX 23. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : BRIO XXXX XXXX XXXX remove all non-account holding inquires over 30 days old. 
*please add a Promotional Suppression to my credit file. 


Thank You, 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