Consumer complaint received 2025-12-08 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: OH

Complaint narrative:
On XX/XX/year>, I mailed you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and Possible Financial XXXXXXXX XXXX XXXX XXXX XXXX 
Per USPS Certified Mail records, you received my dispute letter on XX/XX/year>. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period of the date in which you received my dispute letter. You received my dispute letter on XX/XX/year>. Therefore, your response was due on or by XX/XX/year>. Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter stating the accounts were verified without providing the Method of Verification required under FCRA 611 ( a ) ( 7 ), nor did you provide any supporting documentation. 
Similarly, you have willfully failed to delete the disputed information as I have requested. In lieu of deleting the inaccurate information, you willfully failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i and failed to follow reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Furthermore, regarding the XXXX XXXX account, you failed to provide any documentation showing compliance with UCC 9-611 and UCC 9-613 , which are required for lawful reporting of a repossession or deficiency balance. Your continued reporting of unverifiable information also violates 607 ( b ) and 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Your explanation is not a valid reason under the FCRA to not reinvestigate my dispute. You have not made any reasonable determination that my dispute was frivolous or irrelevant, nor have you sent me notice of such determination that complies with the FCRA. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. In addition to your deletion of the disputed information, you are required to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The permissible period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, you must ( XXXX ) delete the disputed information requested, ( XXXX ) send an updated copy of my consumer file, and ( XXXX ) send me the {$1000.00} check to my mailing address listed above. 
Sincerely, XXXX XXXX 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