Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Formal Demand for Reinvestigation This letter is my formal request under the Fair Credit Reporting Act ( FCRA ) C11 ( 15 U.S.C.

1C81i ) for a detailed Method of Verification ( MOV ) regarding specific disputed accounts on my credit report. I previously disputed these items, yet they 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.

Legal Consequences for Noncompliance Failure to comply will constitute a violation of my rights under federal law, and I will take further legal action if necessary.

Accounts in Question The following accounts require a full method of verification : XXXX XXXX XXXX  account opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX account opened on XX/XX/XXXX under account number XXXX XXXX XXXX account opened on XX/XX/XXXX under account number XXXX XXXX XXXXXXXX XXXX My Place rewards opened on XX/XX/XXXX, under account number XXXX Required Documentation Under FCRA C11 ( a ) ( 7 ) For each of these accounts, I demand the following specific details as required under FCRA C11 ( a ) ( 7 ) : The full name, official title, and direct contact information of the party that conducted and verified the account reinvestigation. Generic company names or automated responses are not acceptable.

A certified copy of the original documentation used to verify the accuracy of the account, including : The original signed agreement proving my contractual obligation to the alleged debt.

Any records confirming my explicit authorization for this debt, with a wet-ink signature. 

A complete ledger of transactions associated with this account. 

A detailed breakdown of the verification process, including : The exact steps taken by your agency to investigate and verify the account. 

The method of communication used with the furnisher and the specific questions asked. 

A timeline of when and how each verification step was completed. 

A full record of any internal notes, memos, or communications regarding my dispute, including : Any correspondence between your agency and the data furnisher. 

Internal discussions or notes related to my dispute resolution process. 

Any evidence showing how your agency determined the accuracy of the account. 

Confirmation that the investigation was conducted independently, in accordance with XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which require more than automated verification through e-OSCAR. 

Consequences of Failure to Verify Failure to provide all requested verification details in full will constitute a violation of FCRA C11 ( a ) ( 7 ) and FCRA 1C81i ( a ) ( 5 ), requiring the immediate removal of these accounts from my credit report. I will not accept automated responses, unverifiable claims, or incomplete documentation as proof of verification.

TEMPORARY SUPPRESSION OF DISPUTED ACCOUNTS C. FCRA Mandates Temporary Suppression of Disputed Accounts Under FCRA 1C81i ( a ) ( 1 ) ( A ) and FCRA 1C81s-2 ( a ) ( 3 ), I am demanding that all disputed accounts be suppressed from my credit file until the reinvestigation is completed.

FCRA 1C81i ( a ) ( 1 ) ( A ) requires that disputed items be reinvestigated before they can continue to be reported.

FCRA 1C81s-2 ( a ) ( 3 ) mandates that furnishers must mark accounts as disputed during reinvestigation.

Reporting an unverified or disputed account as accurate is a misrepresentation and may constitute willful noncompliance with federal law.

Violation Consequences Since these accounts are currently in dispute, they can not legally be reported as accurate until verified. If your agency fails to suppress these accounts during reinvestigation, it will be treated as a willful violation of the FCRA, subject to legal enforcement.

FINAL REPORTING REQUIREMENT 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. XXXX XXXX XXXX XXXX, Ga XXXX By email to my designated email adress : XXXX. 

U. Supporting Documentation To facilitate your investigation, I have enclosed copies of the following documents : This Dispute Letter : A copy of the current dispute letter for your reference. 

FTC Identity Theft Report : Documentation filed with the Federal Trade Commission regarding the identity theft incident.

Data Breach Notification : Official notice indicating that my personal information was compromised in a data breach.

Government-Issued ID : A copy of a government-issued identification, which may include a drivers license, state ID, or passport, for identity verification.

Social Security Card : A copy of my Social Security card to confirm my identity.

C. Credit Report Excerpt : A copy of my credit report with the disputed accounts clearly circled for easy identification.

7. FCRA Section C05B : A copy of the Fair Credit Reporting Acts Section G05B, which outlines the process for blocking information resulting from identity theft.

FORMAL DEMANDS & REQUIRED ACTIONS Provide Documentary Evidence for Verification Supply a copy of the original signed agreement proving I legally entered into the alleged debt.

Electronic signatures, copies, or pre-filled templates are not acceptable.

Remove Any Unverifiable Accounts If you can not verify the disputed accounts with the original contract, remove them immediately under FCRA 1C81i ( a ) ( 5 ).

Confirm FTC Contact Regarding Identity Theft Reports If these accounts were disputed due to identity theft, confirm whether you contacted the FTC and followed FCRA C05B requirements.

Legal Actions for Noncompliance Failure to respond within 30 days will result in : Filing a complaint with the CFP B. A Federal Trade Commission ( FTC ) complaint. Pursuing legal action in Federal Cou
rt.

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