Consumer complaint received 2025-01-30 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 : Formal Dispute, Demand for Method of Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts, inquiries, and personal information reported on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the accuracy of the disputed information, the method of verification, and a detailed description of the procedures used to verify this information. 

Personal Information UpdatePlease update my personal information to reflect the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Employer : XXXX XXXX XXXX Delete the Following Undeliverable Addresses : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Delete the Following Employers : XXXX XXXX  Legal Basis for This DisputeUnder 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive all relevant documentation used to substantiate the reporting of these accounts, including proof of ownership and the burden of proof required to validate the debt. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any information is found to be inaccurate, incomplete, or unverifiable, you are required to promptly delete or modify the information and notify me of the changes. 

If you can not provide the requested documentation and verification within 15 days of receipt of this letter, I demand that the disputed items be blocked or removed from my credit file immediately, as required by 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 Disputed InquiriesThe following inquiries were unauthorized and must be removed from my credit file immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Specific RequestsMethod of Verification : Provide the exact method of verification used to validate the accuracy of each disputed account, inquiry, and personal information. 

Procedural Details : Provide a complete description of the procedures followed during your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Supporting Documentation : Provide copies of all documentation used to validate the accuracy of the accounts, inquiries, and personal information, including proof that these accounts and inquiries belong to me. 

Actions Required If Documentation Can not Be ProvidedIf you can not provide the requested documentation and verification within 15 days : Block or Remove the Disputed Items : As required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you must promptly delete or block the disputed items from my credit file.

Cease and Desist Reporting : Immediately cease all reporting and communication regarding these accounts, inquiries, and personal information.

Legal Notice and Threat of LitigationFailure to comply with my rights under the FCRA will result in legal action. Specifically : 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 legal action required to enforce my rights under the FCRA. 

Additionally, reporting inaccurate or unverifiable information is considered defamation of character, exposing you to further legal liability. 

Expectation of ComplianceI expect your written response, including all requested documentation, within 15 days of receipt of this letter. Failure to respond or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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