Consumer complaint received 2024-10-18 00:00:00
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.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification Pursuant to FCRA Dear Experian Team, Please be advised this is MY SECOND WRITTEN REQUEST, formally disputing the accuracy of information being reported under my name on my credit report. Although you responded stating the information has been verified, as a consumer seeking to ensure the accuracy of my credit file, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), ( 15 USC 1681i ( a ) ( 7 ) ), which mandates that a consumer reporting agency must provide the method of verification they relied upon when responding to a dispute. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete these accounts XXXX XXXX XXXX XXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account XXXX XXXXXXXX XXXX XXXX XXXX for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account Under the FCRA I have the legal tight to obtain the following : Method of verification : For purposes of this section, the term method of verification means ( A ) procedures that a consumer reporting agency uses to verify the accuracy of information disputed by a consumer ; and ( B ) the identity of the person providing the information that is the subject of the dispute. 
Documentation of Investigation : Please provide details of the method used to verify this information, including the original source of information and the specific documents reviewed during your investigation process. 
15-day Requirement : I have reached out to your office regarding inaccuracies in my credit report, and I expect full compliance with the provisions of the FCRA. According to Section 611 ( a ) ( 6 ) ( B ) ( ii ) ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ) ), it is your obligation to investigate of my dispute and provide me with the results, along with the method by which you verified the accuracy of the disputed information.

Furthermore, under Section 611 ( a ) ( 5 ) ( 15 USC 1681i ( a ) ( 5 ) ), if the reported information is found to be inaccurate or unverifiable, you are required to promptly delete the item from my credit report.

I expect a thorough investigation of my dispute, including a detailed account of the method used to verify the information that I have contested. Failure to comply with these legal requirements may result in further action, including a complaint to the Consumer Financial Protection Bureau and potential legal action.

Please provide me with the requested documentation within 15 days of receiving this letter. It is essential for my financial well-being that this matter is addressed promptly and accurately.

Thank you for your immediate attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation