Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
[ XX/XX/2023 ] Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Documentation Regarding Verified Account Accuracy Account Number : XXXXXXXX XXXX that starts with XXXX Dispute Reference Number : XXXX Dear Experian Dispute Department, I hope this letter finds you well. I am writing in response to your recent communication regarding the accuracy of the account information in my credit report. The purpose of this letter is to kindly request further clarification and documentation concerning the verification process that led to the conclusion that the reported account is accurate. It is crucial for me to understand the basis for this determination, and I believe your assistance in providing specific details will help me gain a better understanding of the situation. 

In your communication, you stated that the account in question has been verified as accurate. However, I have some questions regarding the verification process : 1. How did you verify this account as accurate? 
2. Could you provide details about who you spoke to during the verification process? 
3. What was the time and date of your communication with them? 
4. Could you kindly share the names of the individuals you interacted with? 
5. Which department did these individuals work in? 
6. Can you provide a summary of the conversation you had with them, specifically regarding the accuracy of the account? 
7. Was any tangible proof or documentation provided during this process to validate the accuracy of the account? 

Given the importance of having a clear understanding of the verification process, I kindly request that you provide me with any and all documentation related to the verification of the accuracy of the aforementioned account. This could include notes from conversations, emails, letters, or any other written communication that outlines the steps taken to validate the accuracy of the account information. Please ensure that these documents include information on the method used for verification and any proof or evidence that was presented to establish the accuracy of the account. 

I understand that gathering this information may take some time, but I kindly ask that you provide me with these documents within 15 days from the date of this letter. In the event that you are unable to furnish these documents within the stipulated timeframe, I request that you promptly remove the disputed account from my credit report, as it is essential for me to have accurate and well-substantiated information reflected in my credit history. 

I appreciate your attention to this matter and your understanding of the importance of transparency and accountability in the credit reporting process. 

Thank you for your prompt assistance in this matter. I look forward to your timely response.

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