Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ).

Disputed Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Account Number ] Description of Inaccuracy : [ Specify the inaccurate information ] I appreciate the effort you have undertaken in investigating my dispute. However, I am now seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the Fair Credit Reporting Act.

Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

I expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ) ( 8 ). Your timely and detailed response will help me better understand the steps taken to verify the disputed information. 
Please send all correspondence related to this matter to the address listed above. I appreciate your cooperation in ensuring compliance with the Fair am writing to formally dispute inaccurate information that appears on my credit report.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ), I am requesting a reinvestigation of the following item : Account Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Account Number ] Description of Inaccuracy : [ Specify the inaccurate information ] I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information.

I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary.

If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report.

Please send all correspondence regarding this matter to the address listed above. I appreciate your scoreedeal this dispute and your compliance with I am writing to formally dispute the validity of a collection account appearing on my credit report.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C.

1692g, I am requesting detailed validation of the debt in question.

Account Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Account Number ) Amount : [ Debt Amount ) I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied.

I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency.

Furthermore, please provide verification that the statute of limitations on this debt has not expired.

I understand that, under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute.

Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report.

Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and your scoreoliaze gh the FDCPA regulations.

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