Consumer complaint received 2024-08-31
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. (MI)

I am reporting and disputing information contained in my consumer reports compiled, maintained, and published by XXXX XXXX XXXX. After several disputes and reports, XXXX XXXX XXXX has willfully failed to modify or delete the disputed information as I have requested as an intentional, negligent, and defamatory FCRA violation causing significant damage to my creditworthiness but also undermines my overall financial standing. 

On XX/XX/year>, I mailed a debt validation letter that they received on XX/XX/year>. Instead of sending me a response letter with the results of their investigation of the disputed information, they mailed me a letter dated XX/XX/year> including a move out statement that they claimed was provided to them by their client that in fact does not validate the debt in question nor provides proof of an thorough investigation into my dispute. On XX/XX/year>, I reported XXXX XXXX XXXX to the CFPB in which they responded on XX/XX/year> stating Our contemporaneous documentation confirms that legal validation was mailed to the former resident per his request timely and accordance with law. in which again DOES NOT validate the debt in question nor provides proof of an thorough investigation into my dispute. Therefore a 2nd letter was sent to XXXX XXXX XXXX on XX/XX/year> which they received XX/XX/year> putting them on notice for willfully failing to modify or delete the disputed information as I have requested. In lieu of this information, they have willfully failed to conduct a reasonable investigation of my dispute because of vague and incomplete copies of documentation that they claim was sent to them by their client. 

Note, that this documentation that they provided does not contain any reasonable information that deems my dispute as frivolous or irrelevant. Nor have they sent me notice of such determination that complies with the FCRA. However, their assumption or excuse is not a valid reason under the FCRA to not reinvestigate my dispute. 

Furthermore, I directly dispute the completeness and/or accuracy of the information contained in my consumer file. As a result of their conduct as described above, they shall either modify or delete the disputed information. Additionally, as per the FCRA, they are liable for damages for their conduct. Therefore, in addition to their modification or deletion of the disputed information, they are demanded to send a check payable to the order of XXXX XXXX in the minimum amount of {$1000.00} per violation that are listed below : Failure to validate the debt in question Unfair debt collection practices Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please understand, this is NOT another dispute or an opportunity for XXXX XXXX XXXX to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by them. 

XXXX XXXX XXXX must, within 14 days, do the following : - Modify or delete the disputed information as requested. 
- Provide me with documentation of the modification or deletion.

- Send a check for a minimum of {$1000.00} to my mailing address for the following violations and damages they are liable for under the FCRA : - Failure to validate the debt in question - Unfair debt collection practices- Defamation - Negligent enablement of identity fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )