Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
Request for Reinvestigation and Proof of Method of Verification Date : Monday, XX/XX/year> To : Equifax, TransUnion, and Experian Subject : Formal Request for Reinvestigation and Proof of Method of Verification Pursuant to FCRA 15 U.S.C. 1681i ( a ) Dear Equifax, TransUnion, and Experian, I am writing to formally request a reinvestigation of specific accounts listed on my credit report under FCRA 15 U.S.C. 1681i ( a ). Additionally, I am requesting that you provide the proof of the method of verification for these accounts, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I believe that the following accounts may contain inaccuracies or errors, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is accurate, fair, and verifiable. 
Accounts to Be Reinvestigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Request : Reinvestigation : I am formally requesting that you conduct a thorough reinvestigation of the accounts listed above and ensure that all information reported is accurate and complete. 
Proof of Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request that you provide me with the detailed method of verification for how these accounts were investigated. Specifically, I would like the following : The name, address, and contact information of the furnisher ( s ) of the information.

A detailed explanation of how the furnisher verified the accuracy of the information.

Copies of any documentation or records provided by the furnisher to support the information 's validity.

Legal Obligation : As you are aware, the FCRA mandates that credit reporting agencies must verify disputed accounts and ensure the accuracy of all reported information. Failure to comply with these requirements may result in legal consequences, including statutory damages. I expect full compliance with your obligations under the FCRA.

Next Steps : Please confirm receipt of this letter within 5 business days.

Complete the reinvestigation process and provide the requested proof of verification within 30 calendar days, as required under the FCRA.

Provide me with a copy of my updated credit report following the reinvestigation.

Contact Information : You may reach me directly using the following information : Full Name : [ Insert Your Full Name ] Address : [ Insert Your Address ] Date of Birth : [ Insert Your Date of Birth ] SSN ( Last Four Digits ) : [ Insert Last 4 Digits of Your SSN ] Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, 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