Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Doctrine Of Estoppel By Silence, Demand for Deletion of Inaccurate Information and Compensation under the FCRA To Whom It May Concern, On XX/XX/2024 I mailed you a letter disputing certain information contained in my consumer report, which was compiled, maintained, and reported by your agency. This dispute concerned the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), The Doctrine Of Estoppel By Silence. No Debt Exists if the Creditor Can not Provide Proof Of The Debt! According to XXXX records, you received my dispute letter on XX/XX/2024. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into the disputed information and delete any inaccuracies within 30 days of receiving my dispute. Since you received my dispute letter on XX/XX/2024 as confirmed by XXXX XXXX your response was due on or before XX/XX/2024. 
However, instead of providing me with a response of the results of your investigation, I received no communication from your agency at all. This failure to respond is a clear violation of the FCRA, thus your Silence speaks to no proof of any debt existing. And YOU have willfully failed to delete the disputed information and to conduct a reasonable investigation of my dispute. There is no valid reason under the FCRA for you to refuse to reinvestigate my dispute. And although I didnt receive ANYTHING BACK from you I Noticed that Changes were made to my Profile? How is that? 

Furthermore, you have not made any determination that my dispute was frivolous or irrelevant, nor have you sent me any notice of such determination, as required by the FCRA. And I continue to directly dispute the completeness and/or accuracy of the information contained in my consumer file. Your failure to reinvestigate the matter constitutes an intentional and negligent violation of the FCRA. ( see attachment ) As a result of your conduct, I demand that you promptly delete the disputed information from my consumer report. 

Additionally, as per the FCRA, you are liable for damages due to your conduct. This non action on your behalf has put a strain on my health and finances. As I mentioned before I need XXXX XXXX and this is affecting my Credit Worthiness! Therefore, I also demand that you issue a check in the amount of {$1000.00}, payable to the order of XXXX XXXX XXXX as compensation. 

Please be advised that this is not another dispute or an opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Therefore you are required, Within 14 days of receiving this letter to : XXXX. ) Delete the disputed information from my consumer report. 
XXXX. ) Send me an updated copy of my consumer file. 
XXXX. ) Send my {$1000.00} check to my mailing address listed above. Failure to comply with these demands will leave me with no choice but to consider further legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX