Consumer complaint received 2024-07-29 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: MN

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - Remove this account from my credit report immediately. According to U.S.C. 1681b ( a ) ( 2 ), a consumer report can only be furnished in accordance with the written instruction of the consumer. Here 's why this account is invalid and must be removed : No Written Authorization : You have no proof that I authorized this account or the reporting of this information on my credit report. Under 15 U.S.C. 1681b ( a ) ( 2 ), you can only report information if you have explicit written consent from me. If you can't provide this consent, you must delete this account from my credit report. Violation of FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information on your credit report is reported with proper authorization and is accurate and complete. Legal References : U.S.C. 1681b ( a ) ( 2 ) : Permissible purposes of a consumer report. It states that a report can be furnished only based on the consumer 's written instructions. 15 U.S.C. 1681b ( a ) ( 2 ) FCRA Section 611 ( a ) ( 1 ) : Reasonable Investigation. If the information is not verified with proper authorization, it must be removed from the credit report. 15 U.S.C.

1681i ( a ) ( 1 ) FCRA Section 605 : Limitations on Negative Information. The information must not remain on your report beyond the allowable period. 15 U.S.C. 1681c Demand for Action : Immediate Deletion : Delete this account from my credit report because there is no record of written consent from me for its inclusion. Proof of Authorization : Provide evidence of the written consent that permitted this account to be reported. If you can not provide this proof, you are legally obligated to remove the account. Failure to comply with this request will force me to take legal action to enforce my rights under the FCRA. Respond to this demand within 30 days to avoid further legal steps. 

XXXX XXXX XXXX - XXXX Remove this account from my credit report immediately. According to U.S.C. 1681b ( a ) ( 2 ), a consumer report can only be furnished in accordance with the written instruction of the consumer. Here 's why this account is invalid and must be removed : No Written Authorization : You have no proof that I authorized this account or the reporting of this information on my credit report. Under 15 U.S.C. 1681b ( a ) ( 2 ), you can only report information if you have explicit written consent from me. If you can't provide this consent, you must delete this account from my credit report. Violation of FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information on your credit report is reported with proper authorization and is accurate and complete. Legal References : U.S.C. 1681b ( a ) ( 2 ) : Permissible purposes of a consumer report. It states that a report can be furnished only based on the consumer 's written instructions. 15 U.S.C. 1681b ( a ) ( 2 ) FCRA Section 611 ( a ) ( 1 ) : Reasonable Investigation. If the information is not verified with proper authorization, it must be removed from the credit report. 15 U.S.C.

1681i ( a ) ( 1 ) FCRA Section 605 : Limitations on Negative Information. The information must not remain on your report beyond the allowable period. 15 U.S.C. 1681c Demand for Action : Immediate Deletion : Delete this account from my credit report because there is no record of written consent from me for its inclusion. Proof of Authorization : Provide evidence of the written consent that permitted this account to be reported. If you can not provide this proof, you are legally obligated to remove the account. Failure to comply with this request will force me to take legal action to enforce my rights under the FCRA. Respond to this demand within 30 days to avoid further legal steps. 

XXXX - XXXX - Remove this account from my credit report immediately. According to U.S.C. 1681b ( a ) ( 2 ), a consumer report can only be furnished in accordance with the written instruction of the consumer. Here 's why this account is invalid and must be removed : No Written Authorization : You have no proof that I authorized this account or the reporting of this information on my credit report. Under 15 U.S.C. 1681b ( a ) ( 2 ), you can only report information if you have explicit written consent from me. If you can't provide this consent, you must delete this account from my credit report. Violation of FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information on your credit report is reported with proper authorization and is accurate and complete. Legal References : U.S.C. 1681b ( a ) ( 2 ) : Permissible purposes of a consumer report. It states that a report can be furnished only based on the consumer 's written instructions. 15 U.S.C. 1681b ( a ) ( 2 ) FCRA Section 611 ( a ) ( 1 ) : Reasonable Investigation. If the information is not verified with proper authorization, it must be removed from the credit report. 15 U.S.C.

1681i ( a ) ( 1 ) FCRA Section 605 : Limitations on Negative Information. The information must not remain on your report beyond the allowable period. 15 U.S.C. 1681c Demand for Action : Immediate Deletion : Delete this account from my credit report because there is no record of written consent from me for its inclusion. Proof of Authorization : Provide evidence of the written consent that permitted this account to be reported. If you can not provide this proof, you are legally obligated to remove the account. Failure to comply with this request will force me to take legal action to enforce my rights under the FCRA. Respond to this demand within 30 days to avoid further legal steps. 

XXXX XXXX - XXXX - Remove this account from my credit report immediately. According to U.S.C. 1681b ( a ) ( 2 ), a consumer report can only be furnished in accordance with the written instruction of the consumer. Here 's why this account is invalid and must be removed : No Written Authorization : You have no proof that I authorized this account or the reporting of this information on my credit report. Under 15 U.S.C. 1681b ( a ) ( 2 ), you can only report information if you have explicit written consent from me. If you can't provide this consent, you must delete this account from my credit report. Violation of FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information on your credit report is reported with proper authorization and is accurate and complete. Legal References : U.S.C. 1681b ( a ) ( 2 ) : Permissible purposes of a consumer report. It states that a report can be furnished only based on the consumer 's written instructions. 15 U.S.C. 1681b ( a ) ( 2 ) FCRA Section 611 ( a ) ( 1 ) : Reasonable Investigation. If the information is not verified with proper authorization, it must be removed from the credit report. 15 U.S.C.

1681i ( a ) ( 1 ) FCRA Section 605 : Limitations on Negative Information. The information must not remain on your report beyond the allowable period. 15 U.S.C. 1681c Demand for Action : Immediate Deletion : Delete this account from my credit report because there is no record of written consent from me for its inclusion. Proof of Authorization : Provide evidence of the written consent that permitted this account to be reported. If you can not provide this proof, you are legally obligated to remove the account. Failure to comply with this request will force me to take legal action to enforce my rights under the FCRA. Respond to this demand within 30 days to avoid further legal steps. 

XXXX XXXX XXXX - XXXX - Under penalty of perjury, I swear that this account is false and misleading. I have contacted the debt collector and requested proof of the alleged debt, including the original application bearing my signature. They have failed to provide any such proof. Therefore, you are reporting a misleading and false account on my credit report. False and Misleading Account : Under penalty of perjury, I affirm that this account is false and misleading. The debt collector has not provided the required proof of the debt 's validity, and therefore, you violate 15 U.S. Code 1692j. 15 U.S. Code 1692j : Prohibits the use of deceptive forms in the collection of debts and mandates that consumers must not be misled or deceived. 15 U.S.C. 1692j Failure to Provide Proof of Debt : I requested proof of the debt, specifically a copy of the original application bearing my signature. The debt collector has failed to provide this proof, thus failing to comply with 15 U.S. Code 1692g ( b ) which requires debt collectors to verify the debt upon request. 15 U.S.C. 1692g ( b ) cease Collection Efforts : Under 15 U.S. Code 1692c ( c ), you are required to cease from any collection efforts for this alleged debt as the debt collector has not proven the validity of the debt. 15 U.S.C. 1692c ( c ) Remove This Collection Account : This account must be deleted from my credit report immediately because it is based on false and misleading information. Proof of Debt : If you can not provide the original application with my signature and valid proof of the debt, remove this account from my credit report right now. Cease : Cease from any further collection activities related to this alleged debt. If you do not comply with these demands, I will take legal action to enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Act now to avoid further legal action. 

XXXX XXXX XXXX - XXXX - Under penalty of perjury, I swear that this account is false and misleading. I have contacted the debt collector and requested proof of the alleged debt, including the original application bearing my signature. They have failed to provide any such proof. Therefore, you are reporting a misleading and false account on my credit report. False and Misleading Account : Under penalty of perjury, I affirm that this account is false and misleading. The debt collector has not provided the required proof of the debt 's validity, and therefore, you violate 15 U.S. Code 1692j. 15 U.S. Code 1692j : Prohibits the use of deceptive forms in the collection of debts and mandates that consumers must not be misled or deceived. 15 U.S.C. 1692j Failure to Provide Proof of Debt : I requested proof of the debt, specifically a copy of the original application bearing my signature. The debt collector has failed to provide this proof, thus failing to comply with 15 U.S. Code 1692g ( b ) which requires debt collectors to verify the debt upon request. 15 U.S.C. 1692g ( b ) cease Collection Efforts : Under 15 U.S. Code 1692c ( c ), you are required to cease from any collection efforts for this alleged debt as the debt collector has not proven the validity of the debt. 15 U.S.C. 1692c ( c ) Remove This Collection Account : This account must be deleted from my credit report immediately because it is based on false and misleading information. Proof of Debt : If you can not provide the original application with my signature and valid proof of the debt, remove this account from my credit report right now. Cease : Cease from any further collection activities related to this alleged debt. If you do not comply with these demands, I will take legal action to enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Act now to avoid further legal action. 

XXXX XXXX XXXX - XXXX - Under penalty of perjury, I swear that this account is false and misleading. I have contacted the debt collector and requested proof of the alleged debt, including the original application bearing my signature. They have failed to provide any such proof. Therefore, you are reporting a misleading and false account on my credit report. False and Misleading Account : Under penalty of perjury, I affirm that this account is false and misleading. The debt collector has not provided the required proof of the debt 's validity, and therefore, you violate 15 U.S. Code 1692j. 15 U.S. Code 1692j : Prohibits the use of deceptive forms in the collection of debts and mandates that consumers must not be misled or deceived. 15 U.S.C. 1692j Failure to Provide Proof of Debt : I requested proof of the debt, specifically a copy of the original application bearing my signature. The debt collector has failed to provide this proof, thus failing to comply with 15 U.S. Code 1692g ( b ) which requires debt collectors to verify the debt upon request. 15 U.S.C. 1692g ( b ) cease Collection Efforts : Under 15 U.S. Code 1692c ( c ), you are required to cease any collection efforts for this alleged debt as the debt collector has not proven the validity of the debt. 15 U.S.C. 1692c ( c ) Remove This Collection Account : This account must be deleted from my credit report immediately because it is based on false and misleading information. Proof of Debt : If you can not provide the original application with my signature and valid proof of the debt, remove this account from my credit report right now. Cease : Cease from any further collection activities related to this alleged debt. If you do not comply with these demands, I will take legal action to enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Act now to avoid further legal action. 

XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because it's hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because it's hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now!

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