Consumer complaint received 2024-09-05 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: MI

Complaint narrative:
To Whom It May Concern, As a consumer, I am beyond dissatisfied with the unacceptable negligence shown by your agency regarding the verification of the fraudulent items on my credit report. I demand full documentation of the steps taken by your agency to ensure the XXXX XXXX accuracy of these items, as required under 15 U.S.C. 1681i ( 7 ) Method of Verification. This statute clearly states that a credit reporting agency must provide, upon the consumers request, a detailed outline of the procedures used to verify the accuracy and completeness of the disputed items. This includes, but is not limited to : 1. The business name, address, and telephone number of the furnisher of information contacted. 
2. The specific persons name with whom you verified the dispute. 
3. Valid documentation is used to validate the dispute. 
Let me remind you that this information must be provided no later than XXXX  days from the date of this formal request, as required by law. I have previously requested the immediate blocking and removal of all fraudulent information, yet these items remain on my report : XXXX XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX  - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX XXXX  - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX XXXX  - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX XXXX  XXXX, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account 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