Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom it may concern, I have full copy of my credit report and I have found many erros and inaccurate inforamtion and I demand these accounts be properly investigated and deleted from my consumer report due to bein wrongly reported. It has caused a great deal of frustration in my life and this is not fair. According to the law I demand my full rights be carried out and I will continue to fight for fair credit reporting.

These accounts listed below I demand be investigated and deleted : 1. PURSUANT TO MY RIGHTS UNDER 15 U.S.C. 1681i ( FCRA SECTION 611 ) I AM HEREBY EXERCISING MY RIGHT TO REQUEST A FULL VERIFICATION OF THIS ACCOUNT 'S ACCURACY. I HAVE REASON TO BELIEVE THE REPORTED INFORMATION IS INACCURATE INCOMPLETE OR UNVERIFIABLE. CONSEQUENTLY I REQUIRE A THOROUGH REINVESTIGATION AND IF NOT FULLY SUBSTANTIATED ITS CORRECTION OR PERMANENT REMOVAL FROM MY CREDIT REPORT AS DICTATED BY FEDERAL LAW. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER FCRA 15 U.S.C. 168i, ANY ACCOUNT THAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED.

2. PURSUANT TO MY RIGHTS UNDER 15 U.S.C. 1681i ( FCRA SECTION 611 ) I AM HEREBY EXERCISING MY RIGHT TO REQUEST A FULL VERIFICATION OF THIS ACCOUNT 'S ACCURACY. I HAVE REASON TO BELIEVE THE REPORTED INFORMATION IS INACCURATE INCOMPLETE OR UNVERIFIABLE. CONSEQUENTLY I REQUIRE A THOROUGH REINVESTIGATION AND IF NOT FULLY SUBSTANTIATED ITS CORRECTION OR PERMANENT REMOVAL FROM MY CREDIT REPORT AS DICTATED BY FEDERAL LAW. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER FCRA 15 U.S.C. 168i, ANY ACCOUNT THAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED.

3. PURSUANT TO MY RIGHTS UNDER 15 U.S.C. 1681i ( FCRA SECTION 611 ) I AM HEREBY EXERCISING MY RIGHT TO REQUEST A FULL VERIFICATION OF THIS ACCOUNT 'S ACCURACY. I HAVE REASON TO BELIEVE THE REPORTED INFORMATION IS INACCURATE INCOMPLETE OR UNVERIFIABLE. CONSEQUENTLY I REQUIRE A THOROUGH REINVESTIGATION AND IF NOT FULLY SUBSTANTIATED ITS CORRECTION OR PERMANENT REMOVAL FROM MY CREDIT REPORT AS DICTATED BY FEDERAL LAW. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER FCRA 15 U.S.C. 168i, ANY ACCOUNT THAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED.

4. I AM FORMALLY DEMANDING THE VERIFICATION OF THIS ACCOUNT 'S ACCURACY AS REQUIRED BY YOUR OBLIGATIONS UNDER 15 U.S.C. 1681i ( FCRA SECTION 611 ). I BELIEVE THIS INFORMATION IS INACCURATE INCOMPLETE OR LACKS PROPER VERIFICATION. THEREFORE I REQUEST A COMPLETE REINVESTIGATION. IF THIS ITEM CAN NOT BE SUBSTANTIATED WITH VERIFIABLE PROOF FEDERAL LAW MANDATES ITS IMMEDIATE CORRECTION OR PERMANENT DELETION FROM MY CREDIT FILE. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * UNDER FCRA 15 U.S.C. 168i, ANY ACCOUNT THAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED.

5. I AM FORMALLY DEMANDING THE VERIFICATION OF THIS ACCOUNT 'S ACCURACY AS REQUIRED BY YOUR OBLIGATIONS UNDER 15 U.S.C. 1681i ( FCRA SECTION 611 ). I BELIEVE THIS INFORMATION IS INACCURATE INCOMPLETE OR LACKS PROPER VERIFICATION. THEREFORE I REQUEST A COMPLETE REINVESTIGATION. IF THIS ITEM CAN NOT BE SUBSTANTIATED WITH VERIFIABLE PROOF FEDERAL LAW MANDATES ITS IMMEDIATE CORRECTION OR PERMANENT DELETION FROM MY CREDIT FILE. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER FCRA 15 U.S.C. 168i, ANY ACCOUNT THAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED.

6. I AM FORMALLY DEMANDING THE VERIFICATION OF THIS ACCOUNT 'S ACCURACY AS REQUIRED BY YOUR OBLIGATIONS UNDER 15 U.S.C. 1681i ( FCRA SECTION 611 ). I BELIEVE THIS INFORMATION IS INACCURATE INCOMPLETE OR LACKS PROPER VERIFICATION. THEREFORE I REQUEST A COMPLETE REINVESTIGATION. IF THIS ITEM CAN NOT BE SUBSTANTIATED WITH VERIFIABLE PROOF FEDERAL LAW MANDATES ITS IMMEDIATE CORRECTION OR PERMANENT DELETION FROM MY CREDIT FILE. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNDER FCRA 15 U.S.C. 168i, ANY ACCOUNT THAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED.

7. VIOLATION Under 15 U.S. Code 1681n Civil liability for willful non compliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or 1000 whichever is greater. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO WHERE IS THE PROOF THAT I HAVE BEEN ASKING FOR THIS IS A DIRECT OBEDIENCE OF MY RIGHTS UNDER FCRA LAW. YOU DID NOT PROVIDE ME NOTICE OF DELINQUENCY OF ACCOUNTS THIS IS A DIRECT DISOBEDIENCE OF 15 U.S.C. 1681s-2 I DEMAND THE IMMEDIATE ACTION TO DELETE INACCURATE INFORMATION IN THIS ACCOUNT FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information.

in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4.

business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error, or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer.

shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i.

( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew.

or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

( d ) Exception for resellers.

( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller.

( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.

( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.

( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting.

agency from which the consumer information was obtained for resale.

( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negatable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section.

1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.

( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.

Please send me an updated credit report with deletions of the above accounts removed from my credit report with-in 15 days. 

Yours truly,

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