Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( Last 4 of SSN ) XXXX XX/XX/XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Experian Information Solutions , Inc . 
XXXX XXXX XXXX  XXXX, TX XXXX FORMAL SECTION 609 & SECTION 611 DEMAND FOR FULL DOCUMENTARY VALIDATION and METHOD OF VERIFICATION XXXX XXXX XXXX XXXX XXXXl Account No. XXXX To the Experian Compliance Team, This is my thirdand finalrequest regarding the XXXX XXXX account shown above. The two prior reinvestigations you reported were perfunctory and failed to satisfy the Fair Credit Reporting Acts ( FCRA ) substantive and procedural requirements. I therefore invoke 15 U.S.C. 1681g ( a ) ( 1 ) ( Section 609 ), 1681i ( a ) ( 6 ) & ( 7 ) ( Section 611 ), and 1681e ( b ) and demand a manual review rather than a boiler plate e OSCAR response.

I. Complete Documentary Validation ( 15 U.S.C. 1681g ) Provide legible copies of every document actually reviewed to confirm the accuracy of this tradeline, includingbut not limited to XXXX the original credit agreement or retail installment contract bearing my wet ink signature ; 2. the full payment history, charge off worksheet, and any assignment or sale agreements ; 3. all correspondence Experian received from XXXX XXXX during every prior dispute cycle. 
II. Detailed Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Supply a point by point narrative of the procedures you employed, stating : Name, title, and direct contact information of each person you communicated with at Ally Financial or its servicer ; The exact data exchange platform ( e OSCAR, Metro 2, CDV, ACDV, etc. ) used and the dispute codes transmitted ; A chronological list of every document or record furnished by the creditor and relied upon by Experian ; How those materials were authenticated to reasonable certainty, as required by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
III. Deletion Mandate Absent Verification Under 1681i ( a ) ( 5 ) ( A ) an item that can not be verified must be promptly deleted. If you can not furnish the above within 30 days of receipt, you must permanently remove this tradeline. See also XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX. XXXX. XXXX ) ( failure to obtain underlying contract warrants deletion ). 

I have enclosed : Color copy of my drivers license Social Security verification Highlighted copy of my Experian file showing the disputed entry Should Experian again rely on a summary XXXX response without the underlying evidenceor fail to enumerate its verification stepsI will submit formal complaints to the CFPB, the FTC, and my state AG , and will seek civil relief under 15 U.S.C. 1681n & 1681o for negligent or willful non compliance. 
Please send your written response to the address above. Email replies are unacceptable under 609. This communication is made in good faith and is not a frivolous or rote credit repair dispute ; it is a precise statutory request for records that only Experian possesses. 
Thank you for your immediate, manual attention to this matter. 
Sincerely, 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