Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Notice of Intent to Sue and Request for Immediate Action To Whom it May Concern : I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Reason for Dispute : INACCURATE AND INCOMPLETE INFORMATION BEING SHARED ON MY CREDIT PROFILE DESPITE MULTIPLE ATTEMPTS AND DISPUTES TO HAVE CORRECTED. 
Account Status - inaccurate across XXXX bureaus Date Opened- inaccurate across XXXX bureaus/ also inconsistent with the letter attached directly from XXXX XXXX XXXX XXXX XXXX inaccurate across 3 bureaus Date Last Active - inaccurate across 3 bureaus Payment Status - inaccurate across 3 bureaus Payment History - inaccurate and incomplete across 3 bureaus ( The addresses and phone numbers listed on the app documents are not my address nor have I ever lived at these addresses or used this phone number ) I am a victim of identity fraud and this is CLEAR PROOF OF THAT! 

XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : INACCURATE AND INCOMPLETE INFORMATION BEING SHARED ON MY CREDIT PROFILE DESPITE MULTIPLE ATTEMPTS AND DISPUTES TO HAVE CORRECTED. 
Date Opened - different than XXXX ( inaccurate ) High Credit Limit - different than XXXX ( Inaccurate ) Date Last Active - different than XXXX ( Inaccurate ) Payment History - Inaccurate and inconsistent - Showing CO code 2 months in a row - FCRA violation Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ).

This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. 

Thank you for your immediate attention to this matter. 

Regards, 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