Consumer complaint received 2024-03-03 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: OH

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. Contacted Agency asked for proof of the alleged debt specifically the alleged original application bearing mysignature they have not been able to provide such proof to me. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not besupported by any evidence. 15 USC 1681 XXXX Account Number : XXXX Please remove it from my credit report. 
11. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not besupported by any evidence. 15 USC 1681 XXXX Account Number : XXXX Please remove it from my credit report. 
16. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 
18. Contacted Agency asked for proof of the alleged debt specifically the alleged original application bearing mysignature they have not been able to provide such proof to me. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
19. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not besupported by any evidence. 15 USC 1681 XXXX Account Number : XXXX Please remove it from my credit report. 
please remove these accounts from my credit report. 

I hereby demand substantiated proof of this alleged item, including the contract, note, or any other instrumentbearing my signature. Failure to provide such evidence will necessitate the immediate removal of this item from mycredit report. This erroneous and incomplete information constitutes a grave error in your reporting, and I insist onits removal. Furthermore, I expect you to promptly furnish an amended credit profile to all creditors who haveaccessed it within the last six months ( or the last two years for employment purposes ).

In addition to rectifying this situation, you are required by federal law to complete your re-investigation within thirty ( 30 ) days. I also request that you promptly provide a detailed explanation of the procedure used to verify theaccuracy and completeness of the information within fifteen ( 15 ) days of concluding your re-investigation.

Please be aware that I am not interested in receiving stall tactics or evasive responses. I am taking this matterseriously and expect immediate and forthright action on your part. Failure to comply with these demands will result infurther legal actions to rectify this situation.

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 non-monetary relief