Consumer complaint received 2025-11-29 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:
AFFIDAVIT OF DISPUTE FOLLOW-UP NOTICE OF VIOLATIONS This letter serves as my official follow-up under the Fair Credit Reporting Act ( FCRA ) regarding the dispute letters I mailed to your bureau, which you received over XXXX  days ago. Despite proper submission via certified mail and attaching documentation, I have not received any communication, update, or resolution from your office regarding the negative items I disputed. 

This complete lack of response is not only unacceptable and unethicalit is in direct violation of FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which legally requires you to complete a reinvestigation and respond to my dispute within XXXX  calendar days. Your failure to do so strips me of my rights and is an outrageous, inhuman, and unlawful act against the spirit of consumer protection laws. 

I also filed complaints with the Consumer Financial Protection Bureau ( CFPB ) the same day I sent my mailed dispute letters to your bureau. Still, no email, letter, or decision was provided. This neglect and failure to notify me is a gross violation of the FCRA and FDCPA. 

Below are the Experian accounts I previously disputed which have not been properly investigated or removed as required by law : XXXX. XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | XXXX : {$530.00} XXXX. XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX : {$0.00} ( Closed, still reporting derogatory ) XXXX. XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX : {$10000.00} | XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX. XXXX XXXX ( XXXX XXXX ) Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$430.00} These accounts are inaccurately reported, contain unverifiable information, and/or violate multiple consumer protection laws. I demand the following : - Provide full debt validation ( FDCPA 15 U.S.C. 1692g ), including : Signed application or contract Full billing history Proof of ownership or chain of title Any insurance claims made or settled related to the debt - Provide all documentation that proves these accounts are accurate and legally reportable.

- Delete all unverified, inaccurate, or unvalidated accounts immediately per : FCRA 1681e ( b ) maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) XXXX-day dispute response rule FCRA 1681i ( a ) ( 5 ) ( A ) must delete if not verified FCRA 611 failure to reinvestigate results in required deletion FCRA 609 ( a ) ( 1 ) right to inspect all information in your files If you do not comply, I will file another CFPB complaint and begin preparing legal action under FCRA 1681n and 1681o for willful and negligent noncompliance. 


Sincerely, XXXX XXXX XXXX : XX/XX/1993 SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL 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