Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
This letter serves as a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) and is being filed through the Consumer Financial Protection Bureau ( CFPB ) to demand reinvestigation and proper verification of a disputed account referenced in my initial CFPB complaint. As a consumer, I am exercising my rights to ensure that the credit reporting agencies comply fully with the Fair Credit Reporting Act ( FCRA ) and conduct a reasonable, thorough, and legally compliant investigation of the contested account.

It has come to my attention that the CFPB is actively suing Experian for failing to properly investigate consumer disputes in compliance with the FCRA. This lawsuit underscores systemic issues with how disputes are handled and further substantiates my concerns regarding the accuracy and legitimacy of the investigations conducted for my disputed accounts. Experians alleged practices of relying on automated systems or inadequate verification processes directly violate the standards set forth in the FCRA, and I am now more concerned that my dispute has not been given the proper due diligence required by law. 

Account for Reinvestigation and Verification The unresolved account is : 1. XXXX XXXX XXXX XXXX Legal Obligations Under the FCRA Under the FCRA, you are obligated to take the following steps when conducting a reinvestigation : 1. Verify Information Accuracy : Credit bureaus must verify the accuracy of any information reported. Reliance on generic responses or automated systems from data furnishers does not satisfy the standard of a reasonable investigation required under federal law. The burden of proof is on you to ensure all reported information is verified and accurate.

2. Documented Proof I demand the original signed wet-ink agreement between myself and the original creditor as proof of my consent to the disputed account. Copies, electronic signatures, or boilerplate statements are insufficient to verify these accounts under FCRA 611. If this agreement does not exist or can not be provided, the accounts must be deleted immediately.

3. Source and Method of Verification : Provide the exact source ( s ) of the information used to verify the accuracy of the contested accounts, including the name, contact information, and role of the data furnished or other verifying party. Additionally, provide a detailed method of verification per FCRA 611 ( a ) ( 7 ), outlining the specific steps taken, and the documentation reviewed to verify the accuracy of this account.

Notice of Noncompliance If you fail to comply with my demands, your agency will be in violation of the following FCRA provisions : - 15 U.S.C. 1681o - Civil liability for negligent noncompliance - 15 U.S.C. 1681n ( b ) - Civil liability for willful noncompliance - 15 U.S.C. 1681b - Permissible purposes of consumer reports- 15 U.S.C. 1681i ( 7 ) - Failure to provide method of verification - 15 U.S.C. 1681a ( 4 ) - Right to privacy - 15 U.S.C. 1681c - Requirements for consumer report information In addition, I will pursue claims for : - Defamation of Character Demands and Final Notice You must take the following actions within 30 days of receipt of this letter, as required by law : 1. **Provide Documentation and Details** : - Produce the original signed wet-ink agreement for each of the two disputed accounts. Copies, electronic signatures, or generic statements are unacceptable and insufficient under federal law.

- Disclose the source ( s ) and provide a method of verification for each disputed item.

2. Delete the Contested Item : If the above documentation can not be provided, this item must be permanently removed from the credit file you maintain.

3. Provide Written Confirmation : Confirm all actions taken ( deletions or verifications ) in writing. I also request that all correspondence be sent to me via email for record-keeping and expediency.

Consequences of Noncompliance Failure to respond satisfactorily will result in legal action. I will seek damages for each violation of the FCRA, with statutory costs of {$1000.00} per infraction under 15 U.S.C. 1692k, in addition to compensation for all credit denials and harm caused by your negligence.

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