Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
Experian Disputes Department RE : Formal Dispute of Inaccurate Information in Consumer Report NOTICE TO EXPERIAN This correspondence serves as a formal dispute regarding the inaccurate and incomplete information being reported on my consumer report. The specific accounts in question are as follows : XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTED INFORMATION I hereby challenge the accuracy of the following information related to the above-referenced accounts : - Payment History : Inaccurate, unverified and incomplete reporting. 
- Balance** : Incorrect amounts being reported. 

DEMAND FOR LAWFUL VERIFICATION Pursuant to the Fair Credit Reporting Act ( FCRA ), I am demanding full disclosure and proper verification of the disputed information, including the following specific details for each account : XXXX. The current balance. 
XXXX. The date of last activity. 
XXXX. The date of first delinquency. 
XXXX. The date the account was opened. 
XXXX. The date of the most recent payment. 
XXXX. The current account status. 

LEGAL BASIS FOR THIS REQUEST Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure maximum accuracy in the information they report. The following Supreme Court case laws support my demands : XXXX. Accuracy of XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case establishes that failure to comply with FCRA requirements, including ensuring the accuracy of information, constitutes willful noncompliance. 

XXXX. Obligation to Conduct Proper Investigations - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Although not a Supreme Court case, it has been consistently referenced to establish that credit reporting agencies must perform reasonable investigations into disputes to ensure compliance with the FCRA. 

XXXX. Negligence and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : The Court held that inaccuracies in a consumer report that cause harm are actionable, emphasizing the responsibility of consumer reporting agencies to ensure compliance with legal standards. 

XXXX. Right to XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case, while primarily addressing debt XXXX under the FDCPA, underscores the broader principle that consumers are entitled to verification of the accuracy and validity of claims. 

NOTICE OF INVESTIGATION REQUIREMENTS Experian is reminded of its obligation to conduct thorough and proper investigations of any disputed information. Failure to comply with these obligations, as outlined in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, constitutes willful noncompliance. 

DEMAND FOR CORRECTION If the information related to any of the disputed accounts can not be lawfully verified in full compliance with the FCRA, I hereby demand that the inaccurate information be immediately removed from my consumer report. 

CONCLUSION This letter constitutes formal notice to Experian. I expect a detailed written response outlining the results of your investigation, the methods of verification employed, and full disclosure of the requested information within the time frame mandated by the FCRA. Failure to comply with this request will leave me with no choice but to pursue all available remedies under the law. 

Respectfully, XXXX

Company response to consumer: Closed with explanation