Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Originally, I sent a dispute dated below. Experian responded after the allowed 30 day mandated timeframe without an extension request. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX RE : REQUEST LETTER TO REMOVE INACCURATE INFORMATION RE : REPORT NUMBER : XXXX To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681 a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that is the consumer reporting agencys responsibility to ensure that all information contained within consumer flies is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating and the disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 a ( d ), to third parties. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. Experian Info. Sols., Inc. , XXXX XXXX XXXX, at XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681 e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something failing within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2. Comply with the investigation requirements, as required by 15 U.S.C. 1681| ; 3. Should not provide consumer file to companies without determining that these companies had permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681b ; 4. Provide consumer file pursuant to 15 U.S.C. 1681g ; 5. et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these liters from my consumer report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of certification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of the FCRA. Finally, please send me a copy of the changed consumer report at the earliest. EXHIBIT A I hereby dispute these derogatory accounts and request the following items be thoroughly investigated and deleted from my consumer report, please see below : Name of Account, Name of Source, Type of Item Account Number of Identifier Please delete inquiries listed below as they are two years old : CONSTRUCTION REMODELING NOT MY EMPLOYER CONSTRUCITON REMODELIN NOT MY EMPLOYER CONSTRUCTION AND REMODE NOT MY EMPLOYER Please delete inquiries listed below as they are fraudulent : XXXX XXXX XXXXXX/XX/XXXX FRAUDULENT XXXX XXXX XXXX XXXX VIA DEALER XX/XX/XXXX FRAUDULENT XXXX XXXX  XX/XX/XXXX FRAUDULENT XXXX  XX/XX/XXXX FRAUDULENT Please delete addresses listed below as Ive never resided there : XXXX XXXX XXXX XXXX XXXX, IL XXXX NEVER RESIDED HERE XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX NEVER RESIDED HERE XXXX XXXX XXXX XXXX XXXX, IL XXXX NEVER RESIDED HERE XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX NEVER RESIDED HERE XXXX XXXX XXXX # XXXX XXXX, IL XXXX INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX NEVER RESIDED HERE Correct address is : XXXX XXXX XXXX XXXX, XXXX, IL. XXXX Please correct the spelling of my name to : XXXX XXXX XXXX Please delete all variations of my name which is : XXXX XXXX XXXX & XXXX XXXX NOTARY ACKNOWLEDGEMENT Executed this [ XXXX ] day of XXXX XXXX  [ city ], _____IL_______ [ state ] XXXX  XXXX XXXX Name of Person Acknowledging ________________________ _____ Signature of Document Signer State of _IL______________________ ) ) ss. County of XXXX ) On XXXX, before me, ____________ XXXX XXXX, a Notary Public In and for said state, personally appeared________XXXX  XXXX XXXX personally known to me ( or proved to me on the basis of satisfactory evidence ) to be the person ( s ) whose name ( s ) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity ( ies ), and that by his/her/their signature ( s ) on the instrument the person ( s ), or the entity upon behalf of which the person ( s ) acted, executed the instrument. CONFIDENTIAL AND PRIVILEGED This document contains privileged and confidential information intended only for the use of the addressee named above. If you are not the intended recipient, or the employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination or copy of this letter is strictly prohibited. If you have received this in error, please notify me immediately via email and XX/XX/XXXX return the original copies to me at the above address via U.S. Mail. Thank you for your assistance in this matter. 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