Consumer complaint received 2025-01-24 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, 2024 Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Alleged Debt Ally Financial To Whom It May Concern : I am writing in response to your recent notification indicating that the above-referenced Ally Financial alleged debt on my Experian credit report has been verified. This letter serves as a formal challenge to that verification, as Experian has provided no verifiable documentation nor has there been any evidence of a proper, manual reinvestigation beyond the automated e-OSCAR process. I do not consent to my information being processed exclusively through e-OSCAR without further substantiation or meaningful review. 

XXXX. Failure to Conduct a Reasonable Reinvestigation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian must carry out a reasonable reinvestigation of disputed information. Merely relying on an automated check through e-OSCARwithout examining or obtaining the original documentationdoes not satisfy the laws requirement for a thorough investigation. 

If Experian does not have or maintain the documentation used to verify this alleged debt in its records, how can it claim to have verified the information? 
XXXX. Requirement to Provide Method of Verification According to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a detailed method of verification. I therefore request that Experian provide : The name, title, and direct contact information ( physical address, phone number, and email ) of the individual at the furnisher ( and/or Experian ) who claims to have verified this alleged debt. 
Copies of all documentationincluding any original contract or relevant recordsthat the furnisher ( XXXX XXXX ) supposedly provided to substantiate its accuracy. 
A complete explanation of the steps Experian took to verify this alleged debt beyond the automated e-OSCAR system. 
XXXX. Ongoing Violation of My Rights By continuing to list this unsubstantiated debt as verified, Experian may be violating : FCRA ( 15 U.S.C. 1681n and 1681o ) regarding willful or negligent noncompliance with reinvestigation obligations.

FDCPA ( 15 U.S.C. 1692, et seq. ), should any entity be collecting or reporting this alleged debt without valid, documented proof of its legitimacy.

You must either produce legitimate, verifiable evidence demonstrating that this debt is accurate or remove the tradeline in compliance with 15 U.S.C. 1681i ( a ) ( 5 ), which requires deleting information that can not be verified.

4. No Consent to Automated Verification Only I reiterate that I do not consent to the exclusive use of e-OSCAR or any other automated tool that bypasses my right to a thorough, independent investigation. If the underlying documentation is nonexistent, incomplete, or can not be produced, you must remove this tradeline immediately. 

XXXX. Requested Action Conduct a genuine, documented reinvestigation of the disputed alleged debt. 
Remove this tradeline from my credit report if Experian can not obtain and furnish verifiable documentation proving its accuracy. 
Provide written confirmation of the removal or a copy of all verified documentation upon completion of your reinvestigation. 
XXXX. Good Faith Compliance Please note that any failure to comply with these requests within the legally mandated timeframe could subject Experian to potential civil liability under 15 U.S.C. 1681n and 1681o. I trust that Experian will act promptly to resolve this matter in accordance with federal law. 

I look forward to your timely response and an updated credit report showing the correct status of this alleged debt. Thank you for your immediate 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