Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Consumers Name : XXXX XXXX XXXX. 
Address : [ Your Address ] City, State, Zip Code : [ City, State, Zip Code ] Social Security Number : [ Your SSN ] Date of Birth : [ Your Date of Birth ] Phone Number : [ Your Contact Number ] Email Address : [ Your Email Address ] To : Experian Information Solutions , Inc .

Consumer Relations Department [ Experian Address ] [ City, State, Zip Code ] DISPUTE TYPE : METHOD OF VERIFICATION REQUEST UNDER FCRA 611 ( 15 U.S.C. 1681i ) ACCOUNT INFORMATION IN DISPUTE Creditor/Furnisher Name : XXXX XXXX XXXX 
Account Number on File : [ Account Number as listed in report ] Dispute Code : Identity Theft ( Fraudulent Account ) CONSUMER STATEMENT OF DISPUTE I am submitting a demand under FCRA 611 ( 15 U.S.C. 1681i ) for Experian Information Solutions , Inc., to provide a detailed Method of Verification ( MOV ) for the above-referenced account, which remains inaccurately listed on my credit report. As a confirmed victim of identity theft, I previously provided substantial documentation to demonstrate the fraudulent nature of this account, yet it continues to be reported, directly harming my credit profile.

REQUIRED RESPONSE FOR METHOD OF VERIFICATION REQUEST Under FCRA guidelines, Experian must comply with my right to understand how this account was verified and to provide supporting documentation. I demand the following detailed information : Identification of the Furnisher : Full name, title, department, and contact information for the individual or department at XXXX XXXX that supplied verification of this accounts accuracy.

Verification Procedure Details : A complete explanation of the steps taken by Experian in its verification process for this account, including whether original documentation was reviewed, specific procedures followed, and how Experian concluded that the account was accurate despite my identity theft report.

Proof of Verification and Supporting Documentation : Copies of all records, electronic logs, notes, or correspondence Experian holds to substantiate the accounts verification, including any communication with XXXX XXXX. 
Verification Compliance with FCRA Accuracy Requirements : Documentation demonstrating how Experian ensured compliance with FCRA 611 ( a ) ( 1 ) ( A ), which mandates maximum possible accuracy for reported information. I require proof of a reasonable investigation process, including adherence to statutory standards.

REQUIRED ACTION IF VERIFICATION IS INSUFFICIENT If Experian is unable to meet the legal verification requirements as outlined above, I demand the immediate and permanent deletion of this account from my credit file, per FCRA 611 ( a ) ( 5 ). Failure to remove unverifiable information will be considered a significant violation of federal law and will be addressed accordingly.

RESPONSE DEADLINE AND NOTICE OF ESCALATION Experian has 15 days from receipt of this letter to provide a complete response to this Method of Verification request. If I do not receive a sufficient response, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and any other applicable regulatory bodies to address Experians noncompliance. Legal action will be pursued if necessary.

This is Experians final opportunity to comply with federal law regarding my dispute. I expect confirmation of immediate corrective actions on this account.

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