Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
METHOD OF VERIFICATION ( MOV ) REQUEST LETTER URGENT : RESPONSE REQUIRED UNDER FCRA XXXX XXXX XXXX XXXX XXXX XXXX ( Copyrighted ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Information XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Request for Method of Verification ( MOV ) & Temporary Suppression Under FCRA 1. Formal Demand for Reinvestigation This letter serves as my formal request under FCRA 611 ( 15 U.S.C. 1681i ) for a detailed Method of Verification ( MOV ) regarding specific disputed accounts on my credit report. Despite my previous disputes, these fraudulent accounts remain on my report. I am now demanding full compliance with federal law, including the temporary suppression of these accounts while the investigation is ongoing. 

2. Legal Consequences for Noncompliance Failure to comply within 30 days will constitute a violation of my federal rights under FCRA 611 ( a ) ( 7 ). Noncompliance will lead to : Filing formal complaints with : o Consumer Financial Protection Bureau ( CFPB ) o Federal Trade Commission ( FTC ) o U.S. Department of Justice ( DOJ ) Pursuing legal action in Federal Court 3. Disputed Accounts for MOV Request The following accounts require full method of verification and immediate removal due to evidence of fraud : Fraudulent Credit Accounts Creditor Account Number ( Last 4 Digits ) Status Action Required XXXX XXXX  XXXX Verified despite fraud REMOVE IMMEDIATELY XXXX XXXX XXXX XXXXXXXX XXXXXXXX  Verified despite fraud REMOVE IMMEDIATELY XXXX XXXX XXXX  XXXX XXXX XXXX Verified despite fraud REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX Verified despite fraud REMOVE IMMEDIATELY Lead Bank XXXX Verified despite fraud REMOVE IMMEDIATELY Fraudulent Public Record to Be Removed ( XXXX XXXX Code : DA ) Record Type Docket Number Status Action Required U.S. Bankruptcy Court Record XXXX XXXX  XXXX Bankruptcy ( Dismissed ) REMOVE IMMEDIATELY Fraudulent Hard Inquiries to Be Removed ( XXXX XXXX Code : DA ) Creditor Date 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Required Documentation Under FCRA 611 ( a ) ( 7 ) For each of these disputed accounts and inquiries, I demand the following specific details under FCRA 611 ( a ) ( 7 ) : 1. Full name, title, and direct contact details of the individual who conducted the verification process.

2. A certified copy of the original documentation, including : o The original signed agreement proving my contractual obligation to the alleged debt. 
o Any records confirming my explicit authorization, including a wet-ink signature. 
o A complete ledger of transactions associated with the account. 
XXXX. Detailed breakdown of the verification process, including : o Steps taken by your agency to investigate the account. 
o The method of communication with the data furnisher and the questions asked. 
o A timeline of when and how each verification step was completed. 
4. A full record of all internal communications regarding my dispute, including : o Any correspondence between your agency and the data furnisher.

o Internal discussions or notes about my dispute resolution. 
o Any evidence demonstrating how your agency verified the account. 
XXXX. Confirmation that the investigation was conducted independently, per : o XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) o XXXX v. CSC Credit Services, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX. Temporary Suppression of Disputed Accounts Under FCRA 1681i ( a ) ( 1 ) ( A ) and FCRA 1681s-2 ( a ) ( 3 ), I demand that all disputed accounts be suppressed until the reinvestigation is completed.

FCRA 1681i ( a ) ( 1 ) ( A ) requires reinvestigation before reporting disputed accounts.

FCRA 1681s-2 ( a ) ( 3 ) mandates furnishers to mark accounts as disputed during reinvestigation.

Failure to comply may constitute willful noncompliance with federal law. 
Reporting an unverified or disputed account as accurate is a misrepresentation andmay constitute willful noncompliance with federal law. 

XXXX. Supporting Documentation Enclosed FTC Identity Theft Report ( Report No. XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Official Dispute Results ( Report XXXX. XXXX ) showing unresolved fraudulent items XXXX. XXXX Services Report ( Supporting my XXXX XXXX XXXX ) Copy of my government-issued ID ( Drivers License/Passport ) Proof of residence ( Utility Bill or Bank Statement ) 7. Immediate Actions Requested XXXX. Permanently remove all fraudulent accounts and inquiries. 
2. Provide a free copy of my corrected credit report after removal.

3. Prevent further fraud by placing an extended fraud alert on my credit file.

8. Request for Final Verification Results by Mail and Email Once the reinvestigation is complete, I demand written confirmation of the results along with a full summary of the findings. This must be sent to me : By mail to my provided mailing address. 
By email to my designated email address : XXXX XXXX. XXXX XXXX for XXXX Failure to fully comply within 30 days will result in : CFPB, FTC, and DOJ complaints Federal lawsuit for violations of : o FCRA XXXX o XXXX ( XXXX XXXX. XXXX et seq. ) o XXXX XXXX XXXX ( XXXX XXXX. XXXX et seq. ) I expect your immediate compliance with federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX ( Copyrighted ) XXXX XXXX XXXX XXXX XXXX XXXX, GA 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