Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : Formal Notice of Dispute, Demand for Investigation Under 15 U.S.C. 1681g ( FCRA 609 ), Privacy Act Violation Notice, and Opt-Out of Third-Party Verification Systems To Whom It May Concern, This letter serves as a formal demand pursuant to 15 U.S.C. 1681g, also known as Section 609 of the Fair Credit Reporting Act ( FCRA ), for the full disclosure and verification of all information and documentation pertaining to the following account ( s ) appearing on my consumer credit report : Disputed Account ( s ) : XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX  for XXXX XXXX XXXX  for XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX I hereby invoke my statutory right under FCRA 609 ( a ) ( 1 ) ( A ) to obtain a complete and itemized disclosure of the nature, source, and all identifying details of the information you have on file relating to the aforementioned account ( s ), including but not limited to : The original signed consumer contract or instrument bearing my wet-ink signature that authorizes such reporting ; The name and address of each furnisher or third-party from whom you obtained any data regarding the alleged accounts ; A complete and unredacted chain of custody for any data or documentation you claim supports the reporting of these items.

You are hereby placed on legal notice that the continued furnishing, dissemination, or distribution of inaccurate or unverifiable information constitutes a violation of 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) and 1681i ( a ) ( 1 ) ( A ) ( requirement for a proper reinvestigation ), and may result in civil liability under 1681n and 1681o.

Furthermore, I do not authorize, under any provision of federal law, the use of automated dispute resolution platforms such as e-OSCAR or any third-party mechanisms that fail to conduct an independent, direct, and substantive reinvestigation. Such systems violate the spirit and letter of the law under FCRA 1681i ( a ) ( 1 ) ( A ), which mandates that each consumer reporting agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

In addition, any dissemination of my personal, non-public, and private information, including but not limited to my Social Security Number, Date of Birth, or financial records, to third parties without my express, written consent may constitute a willful violation of my privacy rights under both the Privacy Act of 1974 and relevant portions of the Fair Debt Collection Practices Act ( FDCPA ). Continued reliance on unverifiable or secondhand sources may be construed as willful noncompliance under 15 U.S.C. 1681n, making your agency subject to actual and punitive damages.

Please consider this correspondence my formal opt-out of the e-OSCAR system and any other non-compliant, third-party verification or processing system.

Should you fail to comply with this lawful request within the statutory timeframe of 30 days from receipt of this notice, you are required under federal law to immediately delete or suppress the disputed account ( s ) from my credit file.

You are further instructed to provide a written response with all findings, supporting documentation, and a detailed explanation of your procedures for verification. Failure to comply will constitute a knowing and willful violation of federal consumer protection statutes, for which I reserve the right to pursue all remedies available under the law.

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