Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
To Whom It XXXX Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of XXXX. 
The unverified items listed below remain on my credit report in violation of XXXX XXXX. 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 first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : " ( XXXX ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available '' You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the 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 for " negligent noncompliance '' ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
XXXX. This Account is in violation of XXXX XXXX code XXXX ( XXXX ) for consumer right to privacy. This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 
XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 
XXXX. XXXX XXXX CODE XXXX - OBTAINING INFORMATION UNDER FALSE XXXX Account Number : XXXX Delete this account. 
XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX VERIFY Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXC Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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