Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9344957
Complaint Overview
Complaint ID: 9344957
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 93722
Date Received: 2024-06-25T12:00:00-05:00
Date Sent to Company: 2024-06-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : XXXX Written Request for Removal of Unverified Accounts Dear Experian, This letter serves as my XXXX written request for the removal of unverified accounts listed on my credit report in accordance with 15 U.S.C. 1681. Despite my initial request, the following accounts remain on my report without proper verification : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$46000.00} - Opened : XX/XX/XXXX XXXX. *XXXX XXXX XXXX** - Account Number : XXXX - Balance : {$320.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX - Balance : {$130.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$0.00} - Opened : XX/XX/XXXX According to your previous correspondence, you stated that these accounts were " verified. '' I request detailed documentation proving the verification process, including : - The documents used for verification. - The name, business address, and phone number of the individual who verified these accounts. - A sworn affidavit or deposition confirming the truthfulness and accuracy of the verification. As defined by XXXXXXXX XXXX XXXX XXXX, " Verify '' means " to prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' This requires the production of documents in your files proving these accounts belong to me and that the reported information is accurate. Furthermore, someone within your company must have firsthand knowledge of these accounts and authenticate them under oath. Federal case law mandates that Consumer Reporting Agencies must ensure the accuracy of the accounts they report, which involves more than merely parroting information from other sources. A reinvestigation that shifts the burden back to the consumer and credit grantor does not meet the obligations imposed by 1681 ( a ) ( 4 ). Since you have failed to provide the requested documents, it indicates you either did not or can not verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, you must " promptly DELETE all information which can not be verified. '' If you do not comply, I will pursue litigation for negligent noncompliance under Section 617 of the FCRA. I demand immediate verification or deletion of the accounts listed above. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9344957 about?
Complaint #9344957 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-06-25T12:00:00-05:00.
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.