Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8289489
Complaint Overview
Complaint ID: 8289489
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Arizona
ZIP Code: 859XX
Date Received: 2024-02-05T12:00:00-05:00
Date Sent to Company: 2024-02-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Delete this account. 9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Delete this account. 10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Delete this account. 11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Delete this account. 12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.
Frequently Asked Questions
What is Complaint #8289489 about?
Complaint #8289489 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-02-05T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.