Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian , On XX/XX/XXXX, I mailed you a letter disputing information contained in consumer reports complied, maintained, and published by you allegedly concerning regarding the following accounts and inquires ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also submitted a complaint with the CFPB on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to ensure you received the dispute. 

Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the dispute information as I requested before the end of the 30-day period of the date on which you received my dispute letter. It's well over a month, so I'm sure you received not only the dispute letter that was mailed, but also notification of the claim submitted via the CFPB website. Therefore, your response was due on or by XX/XX/XXXX. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter claiming these accounts were verified or updated. 

Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because you claimed the accounts were verified or updated. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and or negligent FCRA violation. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} per violation ( 8 ) payable to XXXX XXXX XXXX. Be advised this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within 14 days, delete the disputed information requested, send an updated copy of my consumer file, and send me the {$8000.00} check to my mailing address listed above.

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 non-monetary relief