Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SSN # XXXX Date : XX/XX/XXXX Experian, Subject : Dispute Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX  Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notification from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. The initial notification was sent to a NON-MAILABLE ADDRESSS ( See Attached Exhibit A ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX, and as a result, I request its IMMEDIATE REMOVAL from my consumer report. I also filed out an FTC Report for Aggravated Identity Fraud against XXXX XXXX XXXX, XXXX for sharing my PERSONAL IDENTIFY INFORMATION with a Non-affiliated Experian, XXXX XXXX, and XXXX. ( see attached Exhibit B ) Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. Sincerely, XXXX XXXX XXXX 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information in conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. 
Best Regards XXXX XXXX XXXX Immediate Removal and/or Deletion from all consumer reporting agencies. 15 U.S. Code 1692k - Civil liability U.S. Code Notes Remedy for monetary damages 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 5 U.S.C. 1681i ( a ). Failure to conduct a reasonable reinvestigation violates the FCRA. 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. XXXX XXXX : {$4000.00}

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