Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
After I received correspondence from your agency, it stated that the accounts I disputed were verified by your agency. Pursuant to XXXX U.S. CXXXX  XXXX ( a ) 1 ( a ), I am demanding that your agency perform a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information. 
The Law Cleary States : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I am requesting that you are validating the following items : Should such communication have occurred, provide : a. Identity and position of the representative contacted? b. Date, duration, and substance of the conversation? c. Contact details utilized? d. Identity, position, and tenure of your company 's employee involved? e. Details of formal training imparted to said employee? f. Copies of all written correspondence? 
Pursuant to XXXX ( a ) ( 6 ) ( B ) ( iii ), A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION SHALL BE PROVIDED TO ME THE CONSUMER. 

I am prepared to sue your agency, now, pursuant to XXXX USC XXXX, for willful negligence on this matter, file a compliant with the XXXX and also file a formal complaint with the attorney generals office. 
I am requesting a thorough re-investigation into my credit file, especially in light of the ongoing legal proceedings. Please ensure that all information listed in my report is accurate, up-to-date, accurate and in compliance with both federal regulations and your internal policies. I would appreciate confirmation of the completion of this investigation and any actions taken to address any discrepancies or inaccuracies. I AM ALSO DEMANDING THE MEANS BY WHICH YOU ARE VERIFYING THESE ACCOUNTS! 
I DO NOT CONSENT TO AN E-OSCAR SYSTEM THAT ERRONEOUSLY VERIFIES THESE ACCOUNTS. 

Your agency is also in violation in negligent noncompliance as you are in direct violation of XXXX U.S. CXXXX XXXXn- Civil liability for willful noncompliance. 
( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Your agency has less than 30 days to respond with a fair reasonable re-investigation or I will have no choice but to seek legal action. This investigation must be validated by the information that I have listed above. If the information is not validated, then it must be deleted immediately from my consumer report. 

XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX XXXX  XXXX Account Number : 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