Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX XXXX Account Number : XXXX ( Partial Account Number ) XXXX XXXX Account Number : XXXX XXXX  + Account Number : XXXX XXXX + Account Number : XXXX XXXX XXXX  XXXX + Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  + Account Number : XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Credit reporting agencies are not allowed to report items on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights under 15 USC 1681 : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. 

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( XXXX ) from my credit report to prevent further damage. 

Thank you, 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 explanation