Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Method of Verification & Fraud Notification XXXX XXXX XXXX XXXX Account Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the reporting on my credit report related to the account identified as XXXX XXXX XXXX XXXX. The information currently reflected on my credit report includes late payment notations, which I assert are false and inaccurate. I have disputed this multiple times, and each time your agency has responded that the reporting is accurate. I am now demanding clarification and compliance with my legal rights under the Fair Credit Reporting Act ( FCRA ). 

REQUEST FOR METHOD OF VERIFICATION Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I am exercising my right to request the method of verification used to confirm the accuracy of the late payment reporting. The law clearly grants me the right to know how Experian verified the disputed information. 

Therefore, I request the following details : The name ( s ) of the individual ( s ) you contacted at XXXX XXXX XXXX XXXX regarding this account. 

The date and time of the verification. 

The contact information of the individual or department you communicated with. 

Copies of all documents, including payment records or internal notes, that show I had any late payments on this account. 

The FCRA requires credit bureaus to conduct a reasonable reinvestigation and not rely solely on automated systems like e-OSCAR or unverifiable third-party responses ( see 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). A proper reinvestigation involves contacting the data furnisher directly to obtain and review the actual supporting documents. 

If Experian can not provide this documentation and verification, then the law under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires the disputed information to be deleted from my credit file. Failure to comply constitutes willful or negligent noncompliance, for which damages may be pursued under 15 U.S.C. 1681n and 1681o. 

Additionally, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires that the results of the reinvestigation and the method of verification be provided to the consumer within 5 business days of completing the reinvestigation. Please ensure this is done without delay. 

FRAUD NOTIFICATION AND BLOCKING OBLIGATION I previously notified Experian that fraud occurred related to the XXXX XXXX XXXX XXXX account being reported. As part of that notification, I submitted a Federal Trade Commission ( FTC ) Fraud Report along with supporting documentation. 

The FCRA requires that when a credit reporting agency is notified of a fraudulent transaction with credible supporting evidence, the account should be immediately flagged, blocked, or suppressed while a full investigation is underway. Even though this was not a formal Identity Theft Report, the FTC 's own guidance, and best practices under the FCRA and the Dodd-Frank Act, place an obligation on credit bureaus to act swiftly and prevent further harm from known or alleged fraud. 

Despite being informed of this fraud, Experian has failed to block or suppress this account, and the lawunder the broader consumer protection framework of the FCRA and Section 1036 of the Consumer Financial Protection Act ( 12 U.S.C. 5536 ) prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Continued reporting of a known fraudulent account after receiving an FTC fraud report could be considered a violation of these provisions. 

Summary of Legal Citations : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Right to request method of verification. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureau must conduct a reasonable reinvestigation. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Unverified or inaccurate information must be deleted. 

15 U.S.C. 1681n and 1681o Civil liability for noncompliance with FCRA. 

12 U.S.C. 5536 ( Dodd-Frank Act ) Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I have enclosed a copy of my credit report showing the account in question and Experians claim that it was " verified. '' Unless you can provide the full verification as requested above, including the documents and communication logs, you are required by law to delete this item. 

If you do not respond with the required information within the timeline mandated by law, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I am prepared to take further legal action if necessary to ensure compliance with federal consumer protection laws. I am once again submitting documents proving the fraud that took place on this account. 

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