Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items. 
I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights. 

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX XXXX XXXX  - Under 15 USC 1666b Timing of payments You're required to obtain verification from the DATA FURNISHER. I need to see all the paperwork that proves you did an independent investigation. I need proof that you didn't just send an electronic response to the creditor. Reverse these inaccurate late remarks XXXX XXXX XXXX  - 15 U.S Code 1681b-Permissible purposes of consumer reports and 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to privacy - Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX  15 U.S Code 1681b-Permissible purposes of consumer reports and 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to privacy - Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXXXXXX XXXX XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Verify that these inquiries belong to me. - 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