Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
Subject : Request for Method of Verification under FCRA To whom it may concern, I recently disputed the accuracy of certain information on my credit report and received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. It is reporting inaccurately. None of the account details provided match any previously existing account I may have held with the original creditor. The above-referenced account number is related to the most recent account number reporting to my Experian consumer credit profile since my personal information was impacted and exposed. This exposure occurred as a result of the recent XXXX XXXX XXXX. This account resulted from identity theft. Provide specific details on how this information was verified, or delete it immediately. 

XXXX. Account Name : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. It is reporting inaccurately. Placed in Balance, Original Balance, and Payment XXXX are inaccurate. Provide specific details on how this information was verified, or delete it immediately. 

XXXX. Account Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. It is reporting inaccurately. Balance, Past due amount, High Balance, and Original Amount are inaccurate. Provide specific details on how this information was verified, or delete it immediately. 

XXXX. Account Name : XXXX XXXX XXXX XXXX  Credit Bureau Dispute, XXXX XXXX XXXX, XXXX, TX XXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. The Date Opened, Terms, and Payment History are incorrect. Provide specific details on how this information was verified, or delete it immediately. 

XXXX. Account Name : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. The above-referenced account number is related to the most recent account number reporting to my consumer credit profile since my personal information was impacted and exposed. The High Balance is in reference to a previous account held with the original creditor with a different account number ( Last XXXX digits XXXX ). This exposure resulted from the recent XXXX XXXX XXXX. This account is a result of identity theft on account resulting from the XXXX XXXX XXXX. Provide specific details on how this information was verified, or delete it immediately. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I understand that I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' FCRA Section 607 ( b ) also requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification. 

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law.

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