Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification and Documentation per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) To Whom It May Concern, This letter is a formal dispute and request for verification of an account listed on my Experian credit report. The account in question is associated with XXXX, which is inaccurately reported as having late payments. 

Despite disputing these alleged late payments on multiple occasions, your responses continue to state that the information has been verified as accurate. I categorically state that I have never had any late payments on any XXXX accounts, and I now formally request a detailed method of verification, as is my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ).

Legal Basis for My Request : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the right to request : A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Therefore, I am formally requesting the following : The name ( s ) of the individual ( s ) at XXXX or any entity you contacted to verify the late payments. 

The date ( s ) and time ( s ) of those communications.

The contact information ( phone number, address, etc. ) of the data furnisher you contacted.

Copies of any and all documentation or records, including payment history, that were used to verify these alleged late payments.

Additionally, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. The FCRA does not permit reliance on third-party automated systems like e-OSCAR without direct communication with the data furnisher and an actual investigation of the records in question.

Penalties for Non-Compliance : If Experian does not comply with this request, it will be in violation of the FCRA. Under 15 U.S.C. 1681n and 1681o, failure to comply with the FCRA may result in Experian being liable for : Actual damages Statutory damages ( up to {$1000.00} per violation ) Punitive damages Attorneys fees and court costs Furthermore, if Experian is unable to verify the disputed information, then according to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete the information from my credit file : If, after any reinvestigation ... an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information.

Timeline for Compliance : As stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ), if I make a request for the method of verification within 15 days of your response to my original dispute, you are required to provide this information to me within 5 business days. 

Enclosures : Copy of the credit report showing the disputed XXXX account A copy of my ID and proof of address ( if needed for verification ) If you can not provide the documentation and full method of verification I have requested, then I demand that the inaccurate late payment information be immediately removed from my credit report. 

Thank you for your prompt attention to this matter. Please respond in writing within the timeline prescribed by law. 

Sincerely, 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