Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
METHOD OF VERIFICATION ( MOV ) REQUEST LETTER URGENT : RESPONSE REQUIRED UNDER FCRA 611 XX/XX/XXXX Experian Fraud Department XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Method of Verification ( MOV ) & Temporary Suppression Under FCRA XXXX. Formal Demand for Reinvestigation This letter serves as my formal request under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) for a detailed Method of Verification ( MOV ) regarding specific disputed accounts on my credit report. I previously disputed these items, yet they remain on my report. I am now demanding full compliance with federal law, including the temporary suppression of these accounts while the investigation is ongoing.

2. Legal Consequences for Noncompliance Failure to comply will constitute a violation of my rights under federal law, and I will take further legal action if necessary. 
DISPUTED ACCOUNT FOR MOV REQUEST 3. Accounts in Question The following accounts require a full method of verification : XXXX. XXXX XXXX XXXX XXXX, Account # XXXX Required Documentation Under FCRA 611 ( a ) ( 7 ) For each of these accounts, I demand the following specific details as required under FCRA 611 ( a ) ( 7 ) : 2. The full name, official title, and direct contact information of the party that conducted and verified the account reinvestigation. Generic company names or automated responses are not acceptable. 
3. A certified copy of the original documentation used to verify the accuracy of the account, including : The original signed agreement proving my contractual obligation to the alleged debt. 
Any records confirming my explicit authorization for this debt, with a wet-ink signature. 
A complete ledger of transactions associated with this account. 
4. A detailed breakdown of the verification process, including : The exact steps taken by your agency to investigate and verify the account. 
The method of communication used with the furnisher and the specific questions asked. 
A timeline of when and how each verification step was completed. 
5. A full record of any internal notes, memos, or communications regarding my dispute, including : Any correspondence between your agency and the data furnisher.

Internal discussions or notes related to my dispute resolution process.

Any evidence showing how your agency determined the accuracy of the account.

4. Confirmation that the investigation was conducted independently, in accordance with Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ) and Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ), which require more than automated verification through e-OSCAR.

5. Consequences of Failure to Verify Failure to provide all requested verification details in full will constitute a violation of FCRA 611 ( a ) ( 7 ) and FCRA 1681i ( a ) ( 5 ), requiring the immediate removal of these accounts from my credit report. I will not accept automated responses, unverifiable claims, or incomplete documentation as proof of verification.

TEMPORARY SUPPRESSION OF DISPUTED ACCOUNTS 6. FCRA Mandates Temporary Suppression of Disputed Accounts Under FCRA 1681i ( a ) ( 1 ) ( A ) and FCRA 1681s-2 ( a ) ( 3 ), I am demanding that all disputed accounts be suppressed from my credit file until the reinvestigation is completed.

1. FCRA 1681i ( a ) ( 1 ) ( A ) requires that disputed items be reinvestigated before they can continue to be reported.

2. FCRA 1681s-2 ( a ) ( 3 ) mandates that furnishers must mark accounts as disputed during reinvestigation.

3. Reporting an unverified or disputed account as accurate is a misrepresentation and may constitute willful noncompliance with federal law.

7. Violation Consequences Since these accounts are currently in dispute, they can not legally be reported as accurate until verified. If your agency fails to suppress these accounts during reinvestigation, it will be treated as a willful violation of the FCRA, subject to legal enforcement. 
FINAL REPORTING REQUIREMENT 8. Request for Final Verification Results by Mail and Email Once the reinvestigation is complete, I demand written confirmation of the results along with a full summary of the findings. This must be sent to me : By mail to my provided mailing XXXX 9. Supporting Documentation To facilitate your investigation, I have enclosed copies of the following documents : 1. This Dispute Letter : A copy of the current dispute letter for your reference.

2. FTC Identity Theft Report : Documentation filed with the Federal Trade Commission regarding the identity theft incident.

3. Data Breach Notification : Official notice indicating that my personal information was compromised in a data breach. 
4. Government-Issued ID : A copy of a government-issued identification, which may include a drivers license, state ID, or passport, for identity verification.

5. Social Security Card : A copy of my Social Security card to confirm my identity.

6. Credit Report Excerpt : A copy of my credit report with the disputed accounts clearly circled for easy identification.

7. FCRA Section 605B : A copy of the Fair Credit Reporting Acts Section 605B, which outlines the process for blocking information resulting from identity theft.

FORMAL DEMANDS & REQUIRED ACTIONS 10. Provide Documentary Evidence for Verification Supply a copy of the original signed agreement proving I legally entered the alleged debt.

Electronic signatures, copies, or pre-filled templates are not acceptable.

11. Remove Any Unverifiable Accounts If you can not verify the disputed accounts with the original contract, remove them immediately under FCRA 1681i ( a ) ( 5 ).

12. Confirm FTC Contact Regarding Identity Theft Reports If these accounts were disputed due to identity theft, confirm whether you contacted the FTC and followed FCRA 605B requirements.

13. Legal Actions for Noncompliance and Failure to respond within 30 days will result in : Filing a complaint with the CFPB. 
A Federal Trade Commission ( FTC ) complaint. Pursuing legal action in Federal Court. 
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