Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Full Dispute History, Credit History, and Update Logs To Whom It May Concern, I am writing to formally request that each of your agencies provide me with a complete history of all disputes, credit history, and any changes or updates that have ever been made to my credit file. This request is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as New York State General Business Law ( GBL ) 380, which protects consumers ' rights to accurate credit reporting. 

Requested Information I request the following information to be provided for my personal records : Complete Dispute History : A record of all disputes I have ever filed, including the date each dispute was initiated, the responses received, and any actions taken. 
Copies of all correspondence between your agency and any furnishers of credit information regarding my disputes. 
Any documents used to verify disputed information, as required by the FCRA, which was affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), where it was established that credit reporting agencies must go beyond merely parroting information received from data furnishers. 
Complete Credit History : A copy of all the information contained in my credit report from the time my credit file was created to the present date. 
A record of all accounts, inquiries, public records, and any other items that have been reported to your agency, as per the requirements of 15 U.S.C. 1681g. 
Log of Changes and Updates : A comprehensive log of every change or update made to my credit report, including but not limited to account status changes, updates to balances, late payment additions, removals, and corrections. 
The date of each change and the reason or source of the change ( e.g., updates from creditors, corrections following disputes, etc. ). 
Legal Basis for This Request Under the FCRA and New York State GBL 380, I am entitled to access my full credit history and any records related to disputes or changes made to my credit file. Additionally, your respective Terms of Service state that consumers have the right to dispute inaccurate information and receive proper documentation related to those disputes. Failure to comply with this request could result in further action, including regulatory complaints and legal recourse. 

Furthermore, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX ), the court held that credit reporting agencies must reinvestigate disputed information thoroughly and must provide consumers with verification evidence when requested. 

Terms of Service Violations According to the XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX : Each credit reporting agency is required to maintain accurate and up-to-date credit reports and ensure that consumers are given access to the information used during verification. By failing to provide verification documents or failing to correct discrepancies, you are in violation of your contractual obligations outlined in the Terms of Service that consumers agree to when using your services. 
Identity Verification To assist with processing this request, I am enclosing copies of the following documents for identity verification purposes : Drivers License Social Security Card Format and Delivery Please send the requested information in a secure, electronic format to XXXX or by mail to my address at : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Expected Timeline and Consequences of Non-Compliance I expect a response within 30 days of receipt of this letter, in compliance with 15 U.S.C. 1681i, which requires credit reporting agencies to conduct investigations within a reasonable period. Failure to provide the requested information or failure to correct inaccuracies may result in legal action under FCRA, New York GBL 380, and NY GBL 349.

Conclusion I appreciate your immediate attention to this matter. Please provide a confirmation of receipt and an estimated timeline for when I can expect to receive the requested records. If there are any additional documents or information needed to fulfill this request, do not hesitate to contact me at XXXX or via email at XXXX. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX