Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX I sent letters to the Experian Credit Bureau asking them to investigate inaccurate accounts that appear on my credit report. I also requested in the letters that Experian provide me with a description of the procedure used to determine their accuracy and completeness of the information used to complete their investigation. 

I sent the letters via USPS certified mail with an electronic delivery confirmation which indicated that the letters were received on XX/XX/XXXX by Experian. I have attached copies of the USPS certified mail electronic delivery confirmations. Experian notified me via email that the results of the investigation were completed and were available online. I never received an updated copy of my credit report in the mail. More importantly Experian did not provide me with a description of the procedure used to determine their accuracy and completeness of the information used to complete their investigation as requested. 

I followed up with Experian and sent them a Request to Provide the Method of Verification in a letter dated XX/XX/XXXX via USPS Certified Mail with an Electronic Delivery Confirmation dated XX/XX/XXXX which is attached along with the letter. I have also attached the response from Experian via email on XX/XX/XXXX. The results are simply of an investigation ( which are attached ) when in fact I requested that Experian provide me with the method of verification for these accounts as well as detailed questions in my letter. This is the second time that Experian has been in violation of The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) since my original request. 

I sent Experian another letter dated XX/XX/XXXX, to request their method of verification in validating my accounts for the third time. This letter was also sent via USPS certified mail with an electronic delivery confirmation and an electronic return receipt dated XX/XX/XXXX, which is attached as well. All of my correspondence to Experian, including my letter dated XX/XX/XXXX, have included a copy of my driver 's license, social security card, birth certificate, my automobile insurance declaration page, and the first page of my bank account statement. On XX/XX/XXXX, I received an email from Experian ( which is attached ) which states : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

Therefore, it is clear that Experian has been in violation of The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) since my original requests on XX/XX/XXXX & XXXX of XXXX. For that reason, Experian must delete the following accounts immediately in compliance with my rights under the law : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I appreciate your help in resolving this matter.

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