Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing in response to the outcome of my previous dispute, which was submitted on XX/XX/year>, through the CFPB Complaint Portal, XXXX. Despite my numerous requests, I have yet to receive the necessary documentation or results verifying the legitimacy of the collection in question. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to receive accurate and verifiable information regarding any items listed on my credit report. 

Here are the issues I would like to address : Failure to Receive Dispute Results in Writing : As of today, it has been over 30 days, and I have not received any written results of the dispute from Experian. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), Experian is required to provide me with the results of the reinvestigation within 30 days of the dispute initiation. Failing to do so is a direct violation of the FCRA. Since I have not received this information, I am requesting that the disputed collection item be deleted from my credit report immediately, as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion or correction of any unverifiable information. 

Verification of Disputed Item : As stated in my original dispute, I requested verification of the collection account, yet I have not received any documentation proving that this account belongs to me. According to 15 U.S.C. 1681i ( a ) ( 2 ), you must forward all relevant dispute information to the data furnisher. The burden is on the data furnisher to provide evidence that this account is accurate and belongs to me. If the data furnisher can not provide such evidence, you are obligated to delete the item from my report. 

Potential Violation of FCRA Requirements : I believe the dispute process may not have been properly executed. The collection in question has not been verified to belong to me. Experians reliance on a data furnisher 's response, without providing supporting documentation to me, raises concerns about the accuracy of this process. If Experian can not substantiate the item with verified and valid documentation, this collection must be removed in compliance with the FCRA.

Request for Documentation : Under 15 U.S.C. 1681g, I have the right to request all information in my file, including how the disputed account was verified. I am formally requesting that you send me the following : All documentation used to verify the collection account, including any communication between Experian and the data furnisher. 
The name, address, and contact information of the data furnisher that was contacted regarding this dispute. 

Failure to Fulfill Mailing Requirements : Experian stated that results were mailed to me ; however, I have not received them. I request that the results be resent through certified mail to ensure I receive the documentation. 

Given the timeline and the legal protections provided under the FCRA, I expect these issues to be addressed promptly. If I do not receive a resolution within 15 days, I will explore further legal remedies and file additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

The specific account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX