Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 
Creditor : XXXX XXXX Account : XXXX Creditor : XXXX MTR Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do, thereby violating the law. 
I wish to inform you that I will be consulting with a Fair Credit Reporting Act ( FCRA ) attorney to explore further legal action regarding this matter. It is clear that your company 's actions, or lack thereof, are unacceptable and warrant escalation. 
This letter serves as my final request for your company to comply with the law and conduct a thorough investigation into the collection account referenced above. Failure to do so will result in me instructing my FCRA attorney to proceed with legal action, including the filing of complaints against your company. 
Please be advised that this will be the last correspondence from me on this matter. I expect prompt action and resolution from your end. 

I am writing to follow up on my previous communication regarding an unauthorized inquiry on my credit report. Despite my efforts to resolve this matter directly with the creditor, the inquiry remains on my report, causing further damage to my XXXX XXXX. 
After contacting the creditor and requesting proof of authorization for the inquiry, they failed to provide any documentation demonstrating that I consented to the credit pull. Their lack of response confirms my suspicion that this inquiry was made without my permission. 
As such, I urge you to take immediate action to remove the unauthorized inquiry from my credit report. Below, I have provided the details of the inquiry in question : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CO, XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX want to reiterate that I have exhausted all avenues with the creditor, and they have failed to address my concerns or provide evidence of authorization. Therefore, I expect your prompt intervention in this matter. 
I trust that you will act in accordance with the law and take the necessary steps to rectify this issue promptly. Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of the unauthorized inquiry from my credit report. 

I am writing to express my dissatisfaction with the outcome of the investigation into the inaccurate late accounts on my credit report. Despite your company 's verification of these late payments, I disagree with the findings and question the procedures used during the investigation process. 
I am particularly concerned about whether a thorough investigation was conducted in accordance with the guidelines outlined by the Federal Trade Commission ( FTC ). It appears that these late accounts are still not reported accurately, indicating a failure to adhere to FTC guidelines regarding investigation. 
I would appreciate detailed information regarding the procedures used during the investigation of these inaccurate late accounts. Specifically, I request to know with whom your company communicated at the creditor 's office during the investigation, along with their complete address. Furthermore, I kindly request that you refrain from sending a template letter outlining your standard investigation procedures and instead provide specific details on how this investigation was carried out. 
To reiterate my dispute : Creditor : XXXX  Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy. 15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions. 
In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions. Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case. 
If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as " XXXX on XXXX '' or " OK ''. 
It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 
Please initiate an investigation into this matter immediately. According to the FCRA, you are required to conduct this investigation within 30 days of receiving this letter. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made. 
I thank you in advance for your cooperation and expect a prompt resolution. 
Kind Regards.

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