Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I an distressed that you have included the information below on 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 the 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. 

According to the Fair Credit Reporting Act, 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed document contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original customer contract with my signature in it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be removed immediately. 

XXXX. XXXX  XX/XX/XXXX Delete this item immediately I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this immediately I have no knowledge of this alleged debt. This account is not mine XXXX. XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681 i ( 5 ) this account is in violation and is not reporting 100 percent accurate. 
XXXX. XXXX XXXX XX/XX/XXXX This charge off needs to be deleted for inaccuracy because it reports a current balance should be XXXX. The IRS defines a charge off as income under IRS tax form 1099-c and income can not report on a consumer report. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this immediately I have no knowledge of this alleged debt. This account is not mine XXXX. XXXX XXXX XXXX XX/XX/XXXX I have no knowledge of this alleged debt. This account not mine Delete this immediately If these accounts are not deleted off of my account Your non- compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

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