Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute, Demand for Validation, and Intent to Sue Under FCRA 1681n & 1681o To Whom It May Concern, This correspondence serves as a formal dispute, demand for validation, and intent to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681n, and 1681o.

It has come to my attention that your credit reporting agency is reporting inaccurate and incomplete information under the following accounts : Disputed Accounts XXXX XXXX XXXX XXXX XXXX These accounts are being reported without my verified authorization or without any proof of a valid, signed agreement establishing liability or consent. Therefore, I am demanding that these accounts be immediately validated or deleted from my credit profile. 

You are required under FCRA 611 ( 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation of the disputed items and to provide written results within 30 days of receipt of this letter.

Demand for Proof Please provide the following documentation : A copy of the original contract or agreement bearing my signature that legally binds me to the alleged debt. 

The full name, address, and telephone number of each original creditor and subsequent assignee. 

The date the account was allegedly opened, the amount, and all records showing any payments or communications connected to me. 

If such documentation can not be produced, you are legally obligated to delete these items immediately and send an updated credit report to me as well as to any entity that has received my report within the last six months ( or two years for employment purposes ).

Legal Notice and Intent to Sue Failure to comply with your obligations under the FCRA will result in my pursuing civil remedies for both willful and negligent noncompliance as permitted under 15 U.S.C. 1681n and 1681o.

Be advised that continued reporting of unverified or inaccurate information will be treated as willful disregard of federal law, and I will seek statutory damages in the amount of {$10000.00}, plus punitive damages, attorneys fees, and any other relief allowed by law. 

Additionally, under 1681i ( a ) ( 6 ) ( B ) ( iii ), I request that you provide a written description of the procedure used to verify each disputed item within 15 days after the completion of your reinvestigation. 

Conclusion This is a good-faith attempt to correct inaccuracies and ensure compliance with federal consumer protection laws. I expect a timely, lawful response within the statutory timeframe. 

Thank you for your immediate attention to this matter. 

Sincerely, 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