Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

Certainly, here is your revised dispute letter including the additional information and explanation : Dear Experian, I am writing to formally dispute the following inquiries and invalid addresses on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The aforementioned errors have caused significant damages, and if monetary relief is not provided, I will pursue legal action in civil court in XXXX XXXX in XX/XX/year>. I am seeking {$9000.00} in monetary relief under 15 U.S.C. 1692k, which entitles me to {$1000.00} per violation for the following damages : Defamation of Character Negligent Infliction of Emotional Distress Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S.C. 1681 - Congressional findings and statement of purpose Violation of 15 U.S.C. 1681 Section 602A - Right to privacy Violation of 15 U.S.C. 1681 Section 604A Section 2 - Unauthorized furnishing of an account Violation of 15 U.S.C. 1681n - Civil liability for willful noncompliance These violations, as well as the errors resulting from identity theft, are well-documented. According to 15 U.S.C. 1681c-2, a police report is not required for the block and removal process related to identity theft. An FTC Identity Theft report was already submitted in a previous complaint with the CFPB.

Additionally, Experian 's investigation process has violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy, specifically : Prompt notice of the dispute to the furnisher of information ( 15 U.S. Code 1681i ( 2 ) ( A ) ) : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller, the agency shall provide notification of the dispute to any person who provided any item of information in dispute. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Treatment of inaccurate or unverifiable information ( 15 U.S. Code 1681i ( 5 ) ( A ) ) : If, after any reinvestigation, any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

As a consumer under the Fair Credit Reporting Act, I am protected against identity theft and unverified information on my consumer credit report, as outlined by the laws mentioned above. This is a clear violation of 15 U.S.C. 1681n Civil liability for willful noncompliance.

It is vital that I receive monetary compensation for these violations due to the severe impact they have had on my life, including emotional distress and defamation of character. 

I expect immediate investigation and correction of these inquiries and addresses. 

Thank you for your prompt attention to this matter.