Consumer complaint received 2024-06-12 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: VA

Complaint narrative:
This letter is a formal complaint that you report inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you can not provide me with a copy of the verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. I was never late on this account. XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. XXXX. I was never late on this account. XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. XXXX. I was never late on this account. XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. XXXX. I was never late on this account. XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account XXXX XXXX XXXX. I was never late on this account. XXXX Account XXXX XXXX Please correct/update this inaccurate information on my credit report. XXXX. Please remove this inaccurate information from my credit report XXXX  XXXX XXXX, XXXX. Account XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Thank you, XXXX XXXX I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action. Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Your cooperation in advance is appreciated. Sincerely, 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 non-monetary relief