Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last 4 of SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : - XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX - XXXX XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX, NY XXXX- XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX Subject : Formal Dispute Demand for Verification, Deletion of Inaccurate/Unverifiable Accounts and Unauthorized Inquiries, and Cease-and-Desist Notice To Whom It May Concern : I am formally disputing the accuracy, completeness, and reporting practices associated with the accounts and inquiries listed below. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2, 1681eb, 1681i ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), and applicable case law. I am demanding a reasonable reinvestigation and full verification of each account and inquiry. Failure to provide proper verification or to correct/remove unverifiable or inaccurate information constitutes a violation of federal law.

-- - Legal Basis for Dispute and Inquiry Deletion 1. 15 U.S.C. 1681c-2 : Requires CRAs and furnishers to block information related to identity theft or unverifiable data.

2. 15 U.S.C. 1681eb : Mandates that consumer reporting agencies maintain accurate and up-to-date files.

3. 15 U.S.C. 1681i : Requires CRAs to conduct a reasonable reinvestigation of disputed items and delete unverifiable information.

4. 15 U.S.C. 1681b ( f ) : Restricts furnishing of information to parties without a permissible purpose, including inquiries. 
- Case : Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Unauthorized credit inquiries must be removed. 
5. 15 U.S.C. 1692e : Prohibits false, misleading, or unfair debt collection practices, including reporting accounts/inquiries without verification. 
- Case : XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
6. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Requires disclosure of documentation and methods used to verify disputed accounts. 
- Case : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
-- - Accounts in Dispute - XXXX  XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  [ Insert ] -- - Unauthorized Credit Inquiries to be Deleted XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX Inquiry ] | XX/XX/XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX | [ Insert ] XXXX | XX/XX/XXXX | [ Insert ] XXXX XXXX XXXX  | XX/XX/XXXX | [ Insert ] XXXX  XXXX  XXXX  XXXX XX/XX/XXXX | [ Insert ] XXXX XXXX XXXX | XX/XX/XXXX | [ Insert ] XXXX XXXX XXXX | XX/XX/XXXX | [ Insert ] XXXX XXXX XXXXXX/XX/XXXX | [ Insert ] XXXX XXXX XXXX XXXXXX/XX/XXXX | [ Insert ] XXXX | XX/XX/XXXX | [ Insert ] XXXX XXXX XXXX | XXXX XXXX, XXXX | [ Insert ] -- - Requests for Verification For each disputed account and inquiry, provide : 1. Identity of the furnisher contacted during verification.

2. Date, time, and method of verification.

3. All documentation relied upon ( contracts, statements, account applications ).

4. Detailed verification procedures per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

If verification can not be provided, delete all disputed accounts and inquiries immediately under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and 1681b ( f ).

-- - Cease-and-Desist Notice Under 12 CFR 1006.6 ( c ), cease all communication with me except to provide verification documents or confirmation of deletion. Continued contact will be considered a violation of FDCPA and my consumer rights.

-- - Notice of Liability Failure to : - Conduct a reasonable reinvestigation, - Provide required verification, - Delete unverifiable or unauthorized information, will constitute willful noncompliance under 15 U.S.C. 1681n and 1681o, exposing you to statutory damages ( {$1000.00} per violation ), actual damages, punitive damages, and attorneys fees.

-- - Expectation of Compliance I expect a full written response within 15 days, including verification documents and confirmation of deletion for unverifiable or unauthorized items. Failure to respond will result in complaints with the CFPB, FTC, and state Attorneys General, as well as civil action. 
-- - Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL 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