Consumer complaint received 2024-05-22
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. (OR)

I sent in several dispute letters to XXXX, XXXX, Experian I have not received any corresspondance from either company it has now been over 90 days per FTC this is a violation. 


Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the inaccuracies present in my credit report. Despite my previous attempts to resolve these issues, it has become evident that your bureau has failed to conduct a proper investigation as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

For the past three rounds of disputes, I have submitted comprehensive documentation and evidence to support the correction of these inaccuracies. However, it has come to my attention that these submissions were not investigated and were instead discarded without valid evidence or justification for such actions. This conduct is a direct violation of the FCRA, which obligates credit reporting agencies to investigate disputes and ensure the accuracy of information reported. 
Details of the Inaccuracies : XXXX. [ Address XXXX XXXX XXXX XXXX, OH 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Obligations : Under FCRA, 15 U.S.C. 1681i, your bureau is required to investigate all disputes, regardless of the source or address from which they originate. This includes verifying the accuracy of the information disputed and making the necessary corrections to ensure the credit report is accurate.

Each failure to investigate and resolve these disputes represents a violation of federal law and has caused significant harm to my credit profile and financial well-being. For each instance of non-compliance, I am seeking compensation of {$1000.00} per file.

Attached, you will find all previous correspondence, evidence, and a detailed account of the inaccuracies. This letter serves as a final formal notice that if these inaccuracies are not addressed and removed from my credit report within the next 30 days, I will be forced to take legal action.

Failure to comply with this request will result in the submission of a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for your blatant violation of the FCRA. Additionally, I will be pursuing legal action for each instance of non-compliance and for the continued harm caused by your bureau 's negligence. 
XXXX XXXX : Immediate investigation and correction of the inaccuracies listed. 
Compensation of {$1000.00} for each file that was not properly investigated, totaling [ $ Total Amount ]. 
Please be advised that we are prepared to escalate this matter legally if necessary. I trust that you will give this matter the immediate attention it requires and rectify these inaccuracies forthwith. 
Sincerely, [ XXXX XXXX ]