Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request the method of reinvestigation for the dispute referenced under Dispute File # XXXX, which was initiated on XX/XX/year>, and has been marked as completed. The dispute pertains to the following accounts and public records : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Public Record Ref # XXXX ) Remains XXXX XXXX XXXX XXXX ( Account XXXX ) Updated XXXXXXXX XXXX XXXX ( Account XXXX ) Verified and Updated XXXX XXXX  XXXX ( Account XXXX XXXX Updated XXXX XXXX XXXX ( Account XXXX XXXX Remains The results of this dispute indicate that some items were verified as accurate, while others were simply marked as updated or left unchanged. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 7 ), I am legally entitled to request the method by which Experian conducted its reinvestigation and to receive this information within 15 days.

Formal Request for the Method of Reinvestigation In compliance with 15 U.S.C. 1681i ( a ) ( 7 ), I request that Experian provide the following information for each of the disputed accounts : The name and contact information of the entity that provided the verification. 
A detailed explanation of the specific method Experian used to verify the accuracy of the information. 
Copies of any documentation, correspondence, or records used in the reinvestigation process to confirm that these accounts and public records rightfully belong to me. 
Legal Consequences for Noncompliance If Experian fails to provide the requested information within 15 days, it will be in violation of multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of reinvestigation upon request.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, which subjects Experian to civil liability for damages. 
Next Steps If Experian Fails to Comply If Experian refuses to provide this information or fails to comply with my request, I will : File a formal complaint with the Federal Trade Commission ( FTC ) for Experians failure to comply with federal consumer protection laws. 
Pursue legal action in federal court for Experians failure to conduct a reasonable reinvestigation and provide documentation as required by law. 
Demand the immediate removal of any disputed items that Experian can not properly verify. 
I expect a full response within 15 days of receipt of this letter, as required by law. If Experian can not validate the disputed information with proper documentation, I demand that these items be immediately removed from my credit report. 
This letter serves as a formal demand for compliance with federal law. Please respond promptly.

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