Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX [ XXXX ] EXPERIAN XXXX XXXX XXXX TX, XXXX Re : Request for Proof of Verification and Documentation of Disputed Items Dear Sir/Madam, I am writing to formally dispute several items listed on my credit report generated by [ Credit Bureau Name ] on [ Date of Credit Report ]. After carefully reviewing my credit file, I have identified several items that contain inaccurate or incomplete information. In accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I request that you provide me with the method of verification used to confirm the accuracy of the disputed items. It is not enough to simply parrot the statements or responses provided by the creditors or collection agencies involved. You are required to demonstrate the legitimacy of the information reported.

Please note that I am fully aware of my rights under the FCRA, and I expect full compliance with the laws governing the verification process. Below, I request the following documentation and verification methods for each of the disputed items listed on my credit report : Request for Detailed Verification and Proof : 1. Verification Method and Process : - Please provide detailed information on the method of verification you used to confirm the accuracy of the disputed items. Specifically, I am requesting documentation showing the process by which the creditor or collection agency validated the information reported to you. This should include any direct communication or documentation provided to you by the creditor or collection agency that substantiates the debt.

- 15 U.S.C. 1681i ( a ) ( 6 ) states that if the creditor can not provide verification within the required 30-day period, you must delete the disputed information from my credit report. Please show me evidence of the steps taken to verify this information within the legally required time frame.

2. Original Documentation : - I am requesting copies of the original documents submitted by the creditor or collection agency that substantiate the information reported. For example, I request the original contract, loan agreement, payment history, or any other relevant documents that prove the legitimacy and accuracy of the debt. This includes any documents that show proof of the amount owed, the dates of any payments, and whether any fees or charges were added that I was not notified about.

- 15 U.S.C. 1681e ( b ) requires that you follow reasonable procedures to ensure the accuracy of the information reported. Without original, verifiable documentation, the information can not be deemed accurate and must be deleted.

3. Communication with the Creditor or Collection Agency : - If the creditor or collection agency provides any records, such as emails or written statements regarding the account in question, I request that you provide me with a full copy of those communications, including how they confirmed the accuracy of the information provided. This is critical in ensuring that I am not held responsible for any debt that can not be substantiated.

- 15 U.S.C. 1692g provides that I am entitled to written verification of any disputed debt from the creditor or collection agency. If this verification is not provided, this item must be removed from my credit report.

4. Re-investigation Process : - I also request that you detail the specific steps you took in conducting your investigation into these disputed items. This includes the exact information you sent to the creditor or collection agency and their specific response. Under 15 U.S.C. 1681i ( a ) ( 6 ), you are obligated to complete a reasonable investigation, and this should be fully documented.

- If the creditor or collection agency does not respond to your request for verification, I expect a report from your agency detailing your attempts to obtain such verification.

Specific Disputes : For each disputed item on my credit report, I request the following : 1. XXXX XXXX XXXX ACCOUNT # XXXX 2. XXXX XXXX XXXX ACCOUNT # XXXX 3. XXXX XXXX XXXXXXXX ACCOUNT # XXXX9 4. XXXX  # XXXX 5. XXXX # XXXX 6. XXXX XXXX  XXXX 7. XXXX  # XXXX - Verification Request : Please provide the original documentation and validation as requested above.

Request for Immediate Deletion of Unverified Items : If any of the disputed items can not be verified with proper documentation, I request that they be immediately deleted from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 5 ). You are required by law to delete any unverifiable information within 30 days of receiving this dispute.

Legal Violations : 1. Violation of 15 U.S.C. 1681e ( b ) : The FCRA mandates that information reported to credit bureaus must be accurate and complete. If the disputed information can not be properly verified or substantiated, it must be deleted.

2. Violation of 15 U.S.C. 1681i : This section of the FCRA mandates that credit reporting agencies conduct a reasonable investigation when a consumer disputes an item on their credit report. If you can not verify the disputed items, they must be removed from the report.

3. Violation of 15 U.S.C. 1692g : The Fair Debt Collection Practices Act requires that debt collectors provide written verification of any disputed debt. If the creditor or collection agency fails to provide the requested validation, the information should be deleted from my credit file.

Request for Updated Credit Report : As required by 15 U.S.C. 1681g, I am entitled to receive a copy of my updated credit report once the disputed items have been resolved. I kindly ask that you provide me with a revised credit report reflecting any changes, deletions, or corrections made as a result of your investigation.

Conclusion : I expect the full investigation and documentation of these disputed items in compliance with 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). If you can not provide the required verification within 30 days, I trust you will immediately remove the disputed information from my credit report.

Thank you for your prompt attention to this matter. I look forward to receiving the requested information and an updated credit report. 
Sincerely, [ XXXX 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