Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) To Whom It May Concern, This letter is in reference to an account listed on my Experian credit report : XXXX XXXX. My Experian credit report inaccurately reflects late payments on this account. I have previously disputed these alleged delinquencies on multiple occasions, and each time you have responded stating that the information was verified as accurate. I am formally requesting, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), the method of verification you used in confirming these reported late payments.

My Rights Under the Law : According to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), if a consumer requests it within 15 days after receiving the results of a reinvestigation, the consumer reporting agency must : " Provide a description of the procedure used to determine the accuracy and completeness of the information, 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. '' Therefore, I am exercising my right to request the full method of verification regarding the XXXX XXXX account. Specifically, I am requesting : The name ( s ) of the person ( s ) you contacted regarding this account. 

The date and time of each contact. 

The business name, address, and telephone number of the individual or entity you contacted ( i.e., the data furnisher ). 

Copies of all documentation that were used to verify the alleged late payments, including payment records, internal investigation notes, and any correspondence from the data furnisher. 

Improper Verification Methods If your investigation relied solely on the use of an automated system such as e-OSCAR, this does not fulfill your obligation to conduct a reasonable investigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a credit bureau to : " Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that a consumer reporting agency can not solely rely on data furnishers but must conduct its own reasonable investigation when a dispute is filed. 

Penalty for Noncompliance Under 15 U.S.C. 1681n and 1681o, if Experian willfully or negligently fails to comply with the FCRA, you may be subject to : Actual damages sustained by the consumer, Statutory damages of not less than {$100.00} and up to {$1000.00} per violation, Punitive damages as the court allows, and Attorneys fees and court costs. 

Removal Requirement for Inability to Verify If Experian is unable to verify the disputed information, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that the item : " Shall be promptly deleted from the file of the consumer ... '' Therefore, if you can not provide all requested documentation and demonstrate a legally compliant investigation was conducted, the inaccurate late payment entries and/or the entire XXXX XXXX account must be permanently removed from my credit report. 

I have attached a copy of my current Experian credit report as reference. You are required by law to respond within 15 days of receipt of this request. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Social Security Number Last 4 digits only : XXXX ] [ Date of Birth:XXXX Enclosures : Copy of Experian Credit Report Highlighting Disputed Entry Government-Issued ID ( if required )

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