Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/1994 SSN ( Last Four ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX To : TransUnion, Experian, and Equifax Subject : Reinvestigation Request Inaccurate Collection Account Reporting Creditor Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} To Whom It May Concern, I am writing to formally request a reinvestigation of the above-referenced account that is being reported on my credit file. I believe this account may contain incomplete or incorrect information, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S. Code 1681i ] to request a reinvestigation into its accuracy. 

I am not including detailed explanation or documentation at this time. I am merely requesting that the bureaus carry out a thorough reinvestigation and verify the validity of all data associated with this account. 

If the outcome of this reinvestigation results in the account being verified as accurate, I hereby request within this dispute that you provide the full Method of Verification ( MOV ), including : The name and contact information of the furnisher ; The method used to verify the information ; The description of the procedure used to determine the accuracy and completeness of the reported information. 
This request for the Method of Verification is not to be treated as a separate communication. I am clearly invoking it now, contingent upon any result that verifies the account as accurate, as permitted by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Please note, continued reporting of unverifiable, inconsistent, or incomplete information may constitute willful noncompliance under the FCRA. 

Please complete this reinvestigation within the legally required 30-day time frame and send a full report to my mailing address or email listed above. If this account is verified as accurate, I again request the full Method of Verification within this same response including the contact information for the data furnisher, a description of the procedure used to verify, and the name or department responsible for this reinvestigation. Additionally, please retain and be prepared to provide any documentation used in this process, as I reserve all rights under the FCRA in the event of continued reporting of unverifiable or inconsistent information. 

Additionally, if this account was verified using any third-party communication or documentation, I request that you retain all records, communications, and verification responses used in this reinvestigation in accordance with FCRA data retention obligations. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

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