Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX # XXXX Notice to an agent is noticed to the principal. 


To Whom It May Concern, This correspondence serves as a formal demand for irrefutable proof that the disclosures required under 15 U.S.C. 1637 ( b ) were mailed or delivered to me no less than 21 calendar days before the applicable payment due date, as explicitly mandated by 15 U.S.C. 1666 ( b ) of the Truth in Lending Act ( TILA ).

Let it be clearly understood that I am not requesting information or commentary regarding my account activity, nor do I seek general explanations, summaries, or irrelevant correspondence. My request is singular and unequivocal : Provide documented proof that the requisite disclosures under 15 U.S.C. 1637 ( b ) were mailed or delivered to me at least 21 days before the payment due date, as required under 15 U.S.C. 1666 ( b ) ( ie : tracking number, receipt of delivery ).

Failure to provide this specific documentation will be deemed as willful noncompliance with the statutory mandates of the Truth in Lending Act. Such noncompliance will also be construed as a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). Be advised that this letter serves as formal notice of your obligation to comply with federal law and to substantiate your adherence to the legal requirements governing open-end credit disclosures.

To avoid any ambiguity, I am requesting only the following : 1. Documentary evidence demonstrating that the disclosures required under 15 U.S.C. 1637 ( b ) were sent to me at least 21 calendar days prior to the payment due date, consistent with the timing requirements set forth under 15 U.S.C. 1666 ( b ) ( ie : tracking number, receipt of delivery ).

This demand is neither negotiable nor subject to interpretation. Any response that fails to provide the requested evidence in its entirety will be deemed as willful noncompliance and may result in legal recourse. Do not send generic correspondence, summaries, policies, or extraneous commentary. I am only interested in specific, objective evidence establishing your compliance with the aforementioned federal statutes.

This is a time-sensitive matter. I require the requested documentation to be provided within 10 calendar days from the date of this correspondence. Failure to comply will result in a presumption that no such evidence exists, and any reported late payments predicated on these disclosures will be deemed factually inaccurate. Such inaccuracy will trigger further claims under the Fair Credit Reporting Act, including but not limited to, claims for statutory and punitive damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I trust you understand the gravity of this demand. Your compliance is not discretionary ; it is a legal obligation. Any attempt to evade or obfuscate this request will be viewed as bad faith conduct and deliberate noncompliance with the Truth in Lending Act and the Fair Credit Reporting Act.

This letter serves as formal notice of my rights and your duties under federal law. Govern yourself accordingly. 

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