Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
YOU ARE IN DIRECT VIOLATION OF THE FCRA, 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 creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, 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 the FCRA you are required to ... promptly DELETE all information which can not be verified.

1. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 2. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 3. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 4. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 5. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 6. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 7. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX  Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 8. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 9. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 10. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 11. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX AS A CONSUMER BY LAW THIS ACCOUNT MUST BE DELETED IMMEDIATELY 12. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 13. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 14. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 15. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX  Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 16. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 17. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 18. Misleading False Reporting This account is negligently and inaccurately reported as failing to comply with 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 19. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT IMMEDIATELY 20. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 21. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 22. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY

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