Consumer complaint received 2025-01-13 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: OH

Complaint narrative:
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 XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELFEMPLOYED XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX XXXX. XXXX. Civil Liability for willingful noncompliance XXXX XXXX Account Number : XXXX Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately. 

XXXX. 15 USC 1666 USC 1666B 12 CFR 1026.13 BILLING ERROR XXXX  XXXX Account Number : XXXX Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. XXXX. XXXX XXXX for XXXX XXXX XXXX Account Number : XXXX Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately. 

XXXX. 15 USC 1692g Validation of debts the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. 
XXXX Account Number : XXXX I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX Items Highy Requested XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation original contracts used to validate the dispute. 
XXXX. Also the procedures your company have in place to ensure each account is XXXX  % correct which i doubt.. 
XXXX. 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 Please take note that I am carefully recording all correspondence and I am prepared to file complaints with the CPFB, FTC, AND AG. IF YOU FAIL TO PROVIDE ME WITH THE REQUESTED INVESTIGATION, IT IS MY RIGHT TO SEEK JUDICIAL RELIEF, AND I AM PREPARED TO DO SO. PLEASE REMEMBER ANY FCRA VIOLATION IS UP TO {$1000.00} per violation or or actual damages. I am emotionally distressed because OF YOUR NEGLIGENT ACTIONS. THIS IS IMPACTING MY QUALITY OF MY LIFE. 

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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 will appreciate a response within no later than XXXX  days from this letter.

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