Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Method of Verification and Response to Dispute XXXX XXXX XX/XX/year> Dear Experian, I am writing to express my serious concerns regarding the handling of my credit report dispute, specifically concerning the method of verification and the subsequent responses received. This dispute relates to an inquiry I initiated on XX/XX/year>, regarding accounts listed : XXXX. XXXX  XXXX - # XXXX balance {$470.00} XXXX. XXXX  - # XXXX balance {$2100.00} XXXX. XXXX  - # XXXX balance {$1300.00} XXXX. XXXX  - # XXXX balance {$930.00} XXXX. XXXX XXXX - # XXXX balance {$5100.00} XXXX. XXXX  - # XXXX balance {$200.00} I want to make it absolutely clear that I disagree strongly with the way Experian has handled this matter. It appears that your investigation did not meet the standards required under the Fair Credit Reporting Act ( FCRA ), nor did it fulfill your obligation to ensure accuracy and fairness in reporting. 
Here are the key issues I need to address : 1. Failure to Provide Adequate Verification : I was shocked to find that despite my clear request for verification of the disputed information, you have failed to provide any legitimate proof or documentation supporting the accuracy of the reported data. The mere confirmation of data without detailed verification and full documentation is inadequate and does not comply with FCRA requirements. As a consumer, I am entitled to detailed evidence supporting the accuracy of any items reported on my credit file, and your response thus far does not meet this standard. 
2. Inadequate Investigation Process : The responses I received from Experian after submitting my dispute were completely unsatisfactory. It appears that your investigation was rushed, lacked thoroughness, and failed to appropriately contact or verify information with the creditor or source of the dispute. This is a violation of my rights under the FCRA, which mandates that credit reporting agencies conduct a reasonable investigation. Your response only indicates that you contacted the reporting entity but does not provide any substantial proof or details to confirm the validity of the reported information. I demand full transparency in the verification process. 
The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
The creditors address and telephone number The date you contacted the individual furnishers of information The method of communication you used to verify the information The documentation used to verify the dispute. 
3. Failure to Comply with Legal Obligations : Under the FCRA, credit bureaus must not only investigate disputes within 30 days but also ensure that the investigation is conducted properly and in good faith. Your responses imply a mere formality in verifying the information, which does not meet the spirit or the letter of the law. Your failure to provide legitimate documentation and a comprehensive response has left me no choice but to escalate this matter further. 
4. Request for Immediate Action : I demand that this dispute be revisited and thoroughly investigated, with all due diligence. This time, I expect a detailed and substantiated response, including copies of all relevant documents and communications involved in your verification process. If you are unable to substantiate the accuracy of the information, I request that the entry be immediately removed from my credit report. 
I am giving you 5 days from the date of this letter to provide a proper response. If I do not receive a satisfactory resolution, I will be forced to take further action, including filing complaints with the Federal Trade Commission ( FTC ) and considering all legal remedies available to me. 
This issue is urgent, and I expect your immediate attention. If you have any questions, I can be reached at XXXX. I expect a full and complete resolution without further delay. 

Sincerely, XXXX XXXX Without prejudice, all natural inalienable rights reserved

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