Consumer complaint received 2024-10-25 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: NV

Complaint narrative:
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below Creditor XXXX XXXX XXXX XXXX XXXX, Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ), Account : XXXX Reason : The Status is incorrect for the following account. Please remove it from my Credit Report. 

Creditor : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX  ), Account : XXXX Reason : The Status is incorrect for the following account. Please remove it from my Credit Report. 

Creditor : XXXXXXXX XXXX XXXX XXXX, Account : XXXX Reason : Validate Account. Please ensure that all information is accurate. 

Creditor : XXXX XXXX, Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 


Items Highy Requested The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The Valid documentation used to validate the dispute. 


Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. 

IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. 

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is ILLEGAL, as each dispute and challenge must be addressed INDIVIDUALLY and on its own merits. My letters were created by software thats created for everyone.

If you dont process my letters, you are VIOLATING 15 U.S. Code 5 1681. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party, may be available. This is NOT a legal exception.

I am the AUTHOR of any letters you receive with my name on them. Either I or my advisors wrote them with my FULL KNOWLEDGE and CONSENT. I am aware that there is no law that says you need to provide a POWER OF ATTORNEY in order to delay processing letters from a consumer. IF YOU DO NOT PROCESS MY LETTERS IN A TIMELY MANNER, I WILL consider it to be an INTENTIONAL disregard for my rights.

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