Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information & Demand for Method of Verification To Whom It May Concern, I am formally disputing the accuracy and validity of the following accounts appearing on my credit report and requesting immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed accounts are as follows : 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  As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian on XX/XX/year>, for multiple violations of the FCRA and the Consumer Financial Protection Act ( CFPA ). The CFPB alleges that Experian : Failed to properly conduct reinvestigations of disputed information. 

Failed to delete inaccurate, incomplete, or unverified information. 

Failed to provide adequate notice of reinvestigation results. 

Failed to prevent the reinsertion of previously deleted inaccurate information. 

Failed to follow reasonable procedures to assure maximum possible accuracy. 

Given these allegations, I am demanding that Experian strictly comply with its legal obligations under the FCRA and CFPA in handling my dispute.

Specific Requests Method of Verification : Provide the exact method of verification used to validate the accuracy of each disputed account.

Procedural Details : Provide a complete description of the procedures followed during your investigation of this dispute, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Supporting Documentation : Provide copies of all documentation used to validate the accuracy of the accounts, including proof that these accounts belong to me. 

Additionally, under 12 CFR 1006.6 ( c ), I am exercising my right to demand that you cease and desist from any further communication with me unless it is to provide documentation or verify the disputed accounts. Failure to comply with this regulation constitutes a violation of my consumer rights.

Actions Required If Documentation Can not Be Provided If you can not provide the requested documentation and verification within 15 days : Block or Remove the Disputed Accounts : As required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you must promptly delete or block the disputed items from my credit file.

Cease and Desist Reporting : Immediately cease all reporting and communication regarding these accounts.

Legal Notice and Threat of Litigation Under the FCRA ( 15 U.S.C. 1681 ), failure to : Conduct a reasonable investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ), Provide the required documentation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), or Remove inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) constitutes a violation of federal law.

If you fail to comply with this request, I will pursue legal action for the following : Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ). 

Actual Damages : For emotional distress, harm to my credit, and loss of credit opportunities. 

Punitive Damages : For willful noncompliance with the FCRA. 

Attorneys Fees and Costs : For legal action required to enforce my rights under the FCRA. 

Additionally, reporting inaccurate or unverifiable information is considered defamation of character, exposing Experian to further legal liability. 

Expectation of Compliance I expect your written response, including all requested documentation, within 15 days of receipt of this letter. Failure to respond or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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