Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Date XX/XX/2024 RE : Request to provide Method of Verification To Whom It May Concern : Experian I am concerned about the validity and accuracy of your recent investigation of the following accounts, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, that is reporting on my credit report. On XX/XX/2024 I requested an investigation because I felt the item is not being reported legally, and on XX/XX/2024 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply yes to the above then : Who did you speak with?

What was the date?

How long was the conversation?

What was their position?

What number did you call? 
What is the name of your employee that spoke directly to the above party? 
What is the position of your employee that spoke to the above party? 
How long has that individual been employed by your company? 
What type of training was provided to this employee in order to investigate items of this kind? 
Were there any e-mails or written communications between employees of your company and the above party? 
8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question.

9. Please provide the date of the commencement of delinquency.

10. Please provide the SPECIFIC date reporting of this item will cease.

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.

My initial dispute was detailed and directly related to the account ( s ) in question. 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.

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. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro se and will formally request arbitration up to a jury trial. 

[ Govern yourself accordingly ], 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