Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
XXXX Subject : Final Dispute, XXXX for XXXX XXXX XXXX, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts reported on my Experian credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate and thorough investigation of the disputed accounts, as well as a detailed description of the procedure and method of verification you used in your investigation. 

It is critical to note that the Consumer Financial Protection Bureau ( CFPB ) has sued both XXXX and Experian for failing to conduct proper investigations into consumer disputes. The CFPBs lawsuits revealed that these credit bureaus : Ignored consumer evidence and documentation. 
Allowed previously deleted inaccuracies to be reinserted into credit reports. 
Used flawed systems and software that resulted in the wrongful verification of disputed items. 
Provided consumers with confusing and conflicting letters. 

In fact, the CFPB fined XXXX {$15.00} XXXX for these failures. As a result, I expect these same issues to not occur in my case. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I demand that you provide all relevant documentation and evidence used to substantiate the reporting of these accounts. This includes proof of ownership, a full account history, and all verification data you utilized to validate the debts. 

In addition, I am requesting a chain of assignments or forward flow agreement for each of the disputed accounts. This documentation is necessary to establish the legal transfer of ownership and any valid interest in the debts being reported. If no such documentation can be provided, the accounts should be removed from my credit file immediately. 

If you can not provide this information within 15 days of receiving this letter, I demand that these disputed items be immediately blocked or removed from my credit file, as required under the FCRA. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific Requests : XXXX. Provide the exact method of verification used to validate the accuracy of each disputed account. 
XXXX. Provide a complete description of the procedures followed during your investigation of this dispute. 
XXXX. Provide copies of all documentation used to validate the accuracy of the accounts, including proof of ownership and that the debts belong to me. 
XXXX. Provide a chain of assignments or forward flow agreement for each disputed account to prove legal ownership or transfer of the debt. 

Legal Notice and Threat of Litigation : Failure to comply with these requests will leave me with no choice but to take legal action against you. Under the FCRA ( 15 U.S.C. 1681 ), failure to conduct a reasonable investigation, provide adequate documentation, or remove inaccurate or unverifiable information constitutes a violation of federal law. If you do not comply, I will pursue legal action seeking : Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ). 
Actual Damages : For emotional distress, harm to my credit, and loss of credit opportunities. 
Punitive Damages : For willful noncompliance with the FCRA. 
Attorneys Fees and Costs : For the legal action required to enforce my rights. 

Additionally, the continued reporting of inaccurate or unverifiable information is defamatory and exposes you to further legal liability. 

This is my final attempt to resolve this matter amicably. If you do not respond with the requested documentation or remove the disputed accounts within the required timeframe, I will initiate legal action. 

I expect a prompt written response, including all requested documentation, within 15 days of receiving this letter. Failure to comply will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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