Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Mail Current Status - Mailed ( XX/XX/year> XXXXXXXX XXXX ) Letter Mailed Date and Time - XX/XX/year> XXXX XXXX Pass through - Certified Recipient Address - XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department Subject : Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION XX/XX/year> Dear Sir/Madam, Subject : Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION I hereby submit this letter as a formal request pursuant to the Uniform Commercial Code, Section 9-210, regarding my account with you.

In accordance with UCC 9-210 ( a ) ( 2 ) and ( 4 ), this letter serves as : A Request for an Accounting of the unpaid obligations secured by the collateral involved in the aforementioned transaction.

I am seeking an authenticated record that provides a detailed accounting of all unpaid obligations to date.

A Request Regarding a Statement of Account indicating the aggregate amount of unpaid obligations secured by the collateral that I believe to be accurate. I am requesting that you approve or correct this statement and provide a detailed explanation of any discrepancies. For clarity and the purposes of identification, the transaction or relationship in question involves Account number Pursuant to UCC 9-210 ( b ), I understand that you are required to comply with this request within 14 days of receipt by authenticating and sending the requested accounting and statement of account. Please ensure that your response is detailed, including all relevant information pertaining to the unpaid obligations, the list of collateral, and any corrections to the statement of account I have provided. 
Should there be no interest claimed on the obligations or the collateral at this time, as outlined in subsections ( d ) and ( e ) of UCC 9-210, I request an authenticated record disclaiming any interest, along with the name and mailing address of any assignee or successor to your interest.

I am aware that, as per UCC 9-210 ( f ), I am entitled to one response to this request without charge during any six-month period. Please inform me in advance if there are any charges for additional requests. 
I look forward to your timely compliance with this request. Please send the requested information and any corresponding documentation to the mailing address listed above. 
Thank you for your prompt attention to this matter. 
XXXX. Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION XXXX XXXX XXXX XXXX Account Number XXXX XXXX Delete from consumer report XXXX. Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete from consumer report 3. Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION XXXX XXXX Account Number : XXXX Delete from consumer report XXXX. Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION XXXX XXXX XXXX Account XXXX Delete from consumer report ALSO, Please explain to me how you conducted your investigation! 
1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a. Who did you speak to?

b. On what date?

c. How long was the conversation?

d. What was their position?

e. What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g. What is the position of the employee of your company that spoke directly to the above party?

h. How long has that employee been employed by your company?

i. What formal training was provided to this employee to investigate items of this kind?

j. Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. 
Please respond accordingly,

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