Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
XXXX Subject : Formal Dispute, Demand for Method of Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts and inquiries reported on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the accuracy of the disputed information, the method of verification, and a detailed description of the procedures used to verify this information.

Legal Basis for This Dispute Under 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive all relevant documentation used to substantiate the reporting of these accounts, including proof of ownership and the burden of proof required to validate the debt. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any information is found to be inaccurate, incomplete, or unverifiable, you are required to promptly delete or modify the information and notify me of the changes.

If you can not provide the requested documentation and verification within 15 days of receipt of this letter, I demand that the disputed items be blocked or removed from my credit file immediately, as required by the FCRA. 

Accounts in Question 1. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX 2. XXXXXX/XX/XXXX / XX/XX/XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, UT XXXXAccount Number : XXXX 3. XXXX XXXX XXXXXX/XX/XXXX.Address : XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX, XXXX, MI XXXXAccount Number : XXXX 4. XXXX XXXX, XXXXXX/XX/XXXX XX/XX/XXXXAddress : XXXX XXXX XXXX, XXXX, SC XXXXAccount Number : XXXX Disputed Inquiries The following inquiries were unauthorized and must be removed immediately : 1.XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Experian 2. XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Experian 3. XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 4. XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXX 6.XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXXXX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX 10. XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX 12.XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX XX/XX/XXXX 16. XXXX XXXXXX/XX/XXXX XX/XX/XXXX 17. XXXXXX/XX/XXXX XX/XX/XXXX 18. XXXX XXXX, XXXX XX/XX/XXXX 19. XXXX XXXX, XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX, XXXX XX/XX/XXXX 22. XXXXXX/XX/XXXXXXXX, XXXX XX/XX/XXXX 23. XXXX XXXX, XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX 25. XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX 27.XX/XX/XXXXXX/XX/XXXX 28. XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX 29. XXXX XXXX XXXX, XXXX XX/XX/XXXX Specific Requests 1. Method of Verification : Provide the exact method of verification used to validate the accuracy of each disputed account and inquiry.

2. Procedural Details : Provide a complete description of the procedures followed during your investigation of this dispute, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. Supporting Documentation : Provide copies of all documentation used to validate the accuracy of the accounts and inquiries, including proof that the accounts belong to me.

Actions Required If Documentation Can not Be Provided If you can not provide the requested documentation and verification within 15 days : 1. Block or Remove the Disputed Accounts and Inquiries : As required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you must promptly delete or block the disputed items from my credit file.

2. Cease and Desist Reporting : Immediately cease all reporting and communication regarding these accounts and inquiries.

Legal Notice and Threat of Litigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), failure to : * Conduct a reasonable investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ), * Provide the required documentation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), or * Remove inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) constitutes a violation of federal law.

If you fail to comply with this request, I will pursue legal action for the following : * Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

* Actual Damages : For emotional distress, harm to my credit, and loss of credit opportunities.

* Punitive Damages : For willful noncompliance with the FCRA.

* Attorneys Fees and Costs : For legal action required to enforce my rights under the FCRA.

Additionally, reporting inaccurate or unverifiable information is considered defamation of character, exposing you to further legal liability.

Expectation of Compliance I expect your written response, including all requested documentation, within 15 days of receipt of this letter. Failure to respond or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX

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