Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX ( THIS IS NOT A DISPUTE-Duplicate ), " Method Of Verification I recently disputed these accounts with the credit bureaus as not verifiable from the Courts : XXXX BankruptcyXXXX XXXX, Bankruptcy-XXXX XXXX XXXX Bankruptcy-XXXX XXXX TX Child Support. 

I have letters from the Courts in TX, XXXX and XXXX, all three state they are not Furnishers nor Information Providers To Any Credit Reporting Agency.

We both understand that investigations are often conducted using software, which can lead to errors and limitations in record verification. I have already contacted the FEDERAL TRADE COMMISSION and filed a FTC as well as a complaint with your State Attorney General, which is also included with this correspondence.

In accordance with 15 USC 1681c-2 ( c ) ( a ), it is crucial that you, as a credit reporting agency, take swift action to ( Return In Writing ) all information related to this Method Of Verification. This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint.

I am formally requesting a description of the procedure your bureau used in providing all information to the ORIGINAL CREDITOR in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account.

Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities.

If you have conducted a proper investigation and determined that the information is accurate, please provide me with a detailed explanation of the METHODS USED and the records reviewed during your investigation. I would like to receive copies of any documentation so that I can verify the accuracy of your findings and ensure a thorough investigation was performed. 
./////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// This letter is written by my own initiative, ( NOT BY A CREDIT REPAIR COMPANY, NOR BY ANY ATTORNEY, SOLELY BY MYSELF ), and I expect all correspondence related to this dispute to be sent back to me at the address provided above ( OR ) to my email address @ XXXX. 

This is an effort to rectify the false or misleading information currently on my credit reports and to correct your records.

Company response to consumer: Closed with explanation