Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received correspondence stating that your investigation was complete, my previously disputed account ( XXXX ) have been verified and will remain on my credit report. 

The accounts in question are : Equifax XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX. 
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX Remove late payments XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments Experian XXXX. 
XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX BANK Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX Remove late payments XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments Transunion XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments Please explain to me how you conducted your investigation. Under 15 U.S.C. XXXXi ( a ) ( XXXX ), I am formally requesting the full Method of Verification used during your reinvestigation process. You are required by federal law to provide a detailed description of the procedures used to determine the accuracy and completeness of the disputed information, including but not limited to the following : The name, address, and direct contact information of the person, department, or entity that verified the information. 

A step-by-step explanation of how the reinvestigation was conducted, including : Whether any live contact or oral communication was made with the furnisher of information. 

Whether original documentation was reviewed. 

Whether any third-party individuals, such as employers, public records custodians, or personal references, were contacted. 

A complete list of all documents and data points used to verify the disputed account, including internal notes, communication logs, and digital record trails. 

Whether the verification was made exclusively through XXXX or another automated system, and whether your agency independently assessed the accuracy of the information. 

If no original or certified documentation was obtained from the original creditor, please confirm this in writing. 

If your agency contacted the furnisher : Who was contacted? 

On what date and time? 

Through what method ( e.g., email, telephone, letter )? 

What was their position or authority to verify such information? 

If no direct contact with the furnishers representative occurred, please confirm that as well. 



Was any independent third-party verification performed ( e.g., address validation through public records, employer contact, reference checks )? 

Were any neighbors, employers, or associates contacted as part of the identity or residency verification process? 

Were public databases or governmental sources consulted? 

Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 

Failure to provide this information within XXXX calendar days from the date of this letter will place your agency in direct violation of the FCRA. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions.

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