Consumer complaint received 2024-03-31
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. (TX)

In the aftermath of a data breach of my personal information in XX/XX/2023, I discovered inaccuracies on my credit report. Despite my efforts to have the credit bureaus update, validate, and delete the incorrect information, my requests were ignored. I was informed that the information had been verified, yet no evidence of such verification was provided. As a result, I am formally disputing these inaccuracies as reported by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ).

Violation of FCRA 's Accuracy Requirement : Your agency has failed to adhere to the FCRAs stipulation ( 15 U.S.C. 1681e ( b ) ) that consumer reporting agencies must use reasonable procedures to ensure the maximum accuracy of consumer reports. The erroneous information on my credit report contradicts this requirement. I demand the immediate deletion of these inaccuracies, with accompanying proof of such corrections.

Request for Explanation of Verification Method : In line with Section 611 of the FCRA, I am requesting a detailed explanation of the verification process used. Should records be available, I also request copies under the Fair and Accurate Credit Transactions Act ( FACTA ), specifically SEC 312 ( b ) and ( c ). This request encompasses : The basis for concluding the reported items were accurate.

The certified documents reviewed during your investigation.

The complete information shared with the data furnisher during the investigation.

The costs incurred to procure the necessary documents for the investigation.

Evidence of the timely acquisition of certified documents.

Details of any direct communication with the data furnisher 's agent.

Comprehensive documentation of your investigation, including written correspondence and outcomes.

Concerns Regarding Investigation Validity : I have serious reservations about the legitimacy and thoroughness of your recent investigation into the disputed accounts on my credit report. The conclusion of your investigation was communicated without an adequate explanation of the process. Therefore, I seek clarity on the specifics of your investigation, including the documentation reviewed, the costs incurred, and direct interactions with the information furnisher. Additionally, I insist on receiving a notarized affidavit verifying the accuracy of the information provided in response to this dispute, as mandated by federal laws. A generic response will be deemed unacceptable. Failure to provide the requested information in a timely and detailed manner compels me to demand the immediate deletion of the disputed items from my credit report. 

These inaccuracies have significantly impacted my financial well-being and emotional state. Should you fail to address my deletion requests or to provide the requisite documentation of your investigation, I am prepared to enforce my rights through federal court proceedings. I am knowledgeable about constitutional consumer protection laws and civil/federal court procedures and am ready to represent myself pro se, requesting a jury trial if necessary.

The accounts in question are highlighted on my report and identified as follows : Incorrect addresses and wrong account details Account XXXX - Inaccurate open dates and report dates Account XXXX - Inaccurate date open, past due, and last reported Account XXXX - Inaccurate open date, last reported date Account XXXX - Inaccurate open date, last reported date Account XXXX - Inaccurate open date, last reported date Account XXXX - Inaccurate open date, date of last payment Account XXXX - Inaccurate open date, last activity, and reporting date Account XXXX - Inaccurate open date and last reported Account XXXX - Inaccurate open date, inaccurate credit limit, and reporting Account XXXX ( Duplicate ) - Inaccurate open date, credit limit, reporting, and activity Account XXXX - Inaccurate open date, credit limit, and last reporting Account XXXX - Inaccurate account type, account status, open, and activity date Account XXXX - Inaccurate open date, high credit, and payment status Account XXXX - Inaccurate date of last activity I demand your immediate attention to rectify these inaccuracies as mandated by law.