Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
XXXX"XXXX  XXXX XXXXXXXXXXXX XXXX  XXXX  ln XXXX  XXXX XXXX  XXXX\XXXX-XXXX-XXXX\XXXX\XXXX\XXXX: follow up: experian,XXXX,XXXX\XXXX\XXXX  whom this may concern,\XXXX\XXXX(Please update my address I have attached documents as well stapled in also is on my id know)\nRecently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on [XXXX-XXXX-XXXX]. I received a response stating that the account(s) were verified on\nI am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 (a) (7).\nTo be clear, per FCRA 611 (a) (2) (b), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.\nPer the FCRA you are required to provide this information within XXXX days or delete the negative items from my credit\n\nI am requesting you provide me ALL information used for your investigation, as required by FCRA 611 (a) (7).\XXXX\XXXX XXXX  XXXX  XXXX  XXXX#  XXXX****\n XXXX XXXX  XXXX  XXXX  XXXX# XXXX****\n\nTheir is a more pages staple to the back of this the inquires highlighted need to be removed I did not authorize any of the highlight inquiries also under \n\nAnother serious concern i am writing about is the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code  1681n, I am entitled to monetary compensation for the damages caused by these violations.\nUpon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law.\nI have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report.\nFurthermore, I would like to remind you of FCRA 15 U.S. Code  1681n(b), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of $1,000, whichever is greater. The court may also allow punitive damages.\nI did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.\nFinally, I would like to inform you that if this is not resolved, I am prepared to send this to the complaint portal for (consumer financial protection bureau, state attorney general's office, Bet Business Bureau, and Federal Trade Commissions forward to hearing from you soon regarding this matter.\nSincerely, XXXX  XXXX  XXXX"

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