Consumer complaint received 2025-01-12 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: DC

Complaint narrative:
XXXX Subject : Dispute and Demand for Reinvestigation of Items on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of certain items reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you reinvestigate the following items and provide prompt verification of their accuracy or remove them from my credit report : 1. Account Name - XXXX /Number XXXX 2. Account Name XXXX XXXX /Number XXXX 3. Account Name XXXX XXXXNumber XXXX Under 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 15 days of receipt of this notice. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of the disputed information, you must delete the information promptly. 
Legal Precedents and Statute of Limitations It is critical to note that inaccurate or unverifiable information may not remain on my credit file. Furthermore, you must consider the applicable statutes of limitations governing the reporting of negative information : 1. XXXX v. Experian Info. Solutions, Inc., XXXX U.S. Dist. XXXX  XXXX : This case reaffirms the requirement for credit reporting agencies to ensure the accuracy of information and to remove any unverifiable data promptly. 
2. XXXX v. XXXX XXXX. XXXX, XXXX , 690 F.3d 1100 ( 9th Cir. XXXX  ) : This decision highlights the obligation to conduct a thorough reinvestigation, underscoring that failure to comply with 15 U.S.C. 1681i constitutes willful noncompliance, with statutory damages applicable. 
The urgency of this matter can not be overstated. The continued presence of inaccurate or unverifiable information on my credit report directly harms my financial standing and ability to secure credit. Delayed or incomplete action on your part would not only violate federal law but may also subject your organization to legal action and liability for damages under 15 U.S.C. 1681n and 1681o. 
15 U.S.C. 1681i ( 7 ) Additionally, I remind you of its obligation under 15 U.S.C. 1681i ( a ) ( 7 ) to provide a clear and complete description of the reinvestigation process. Please include a detailed summary of the procedures used to verify the disputed items, as required by law. 
Documentation To assist in your investigation, I have enclosed the following : A copy of my government-issued ID and proof of address Request for Resolution I expect a response within 15 days of receipt of this letter. Failure to comply with your obligations under the FCRA will leave me no choice but to seek legal remedies to protect my rights. Please notify me in writing of the results of your investigation and any actions taken or delete these items promptly. 
Thank you for your immediate attention to this matter. I look forward to your swift response.

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