Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
This is my formal demand regarding the information reported by your company related to account number XXXX on my credit report. Despite my previous requests, you have repeatedly failed to provide the legally required documentation substantiating your claims that this information has been verified. 

Let me remind you of your obligations under the Fair Credit Reporting Act ( FCRA ) : Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information to determine its accuracy. The burden is on you to ensure that the information you are reporting is accurate and verifiable. 

Notification to the Furnisher Per 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), you are required to notify the furnisher of the disputed information within five business days of receiving my dispute. This notification must include all relevant information I submitted. I demand proof that this notification was sent, including the date and content of the communication. 

Documentation and Evidence Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a detailed description of the procedures used during your reinvestigation. This includes documentation or evidence that was used to verify the accuracy of the information and the contact details of the data furnisher. To date, your responses have failed to meet this legal standard. A mere statement that the information has been " verified '' is wholly insufficient and violates the FCRAs requirements. 

Deletion of Inaccurate Information If you can not substantiate the accuracy of the disputed information with appropriate and detailed documentation, you are required to delete the item under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Your failure to do so constitutes a breach of your legal responsibilities. 

Your repeated failure to provide written evidence of verification raises serious concerns about the accuracy of this account. If you do not comply with this demand, I will explore all legal remedies available to enforce my rights under the FCRA, including potential litigation for damages caused by your non-compliance. 

You are hereby directed to : Provide a detailed description of the verification process, including all documentation and evidence supporting the accuracy of this account. 
Confirm the date and content of the notification sent to the data furnisher regarding this dispute. 
If you can not substantiate this information, delete the disputed account from my credit report immediately. 
You have 30 days from the date of this letter to comply with these demands, as stipulated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to respond in full within this time frame will result in further action.

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