Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I, being duly sworn, state the following as true and accurate to the best of my knowledge, and hereby submit this affidavit to address a matter of non-compliance concerning my credit report under the Fair Credit Reporting Act ( FCRA ), Section 1681 ( also known as 15 U.S.C. 1681 ) 2. Violation of FCRA Section 1681 - Duty of Reasonable Investigation Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information in my credit report. Pursuant to this law, I previously submitted a dispute to your office regarding incorrect, outdated, or unverifiable information appearing on my credit report. However, despite my dispute submission, there has been no action taken that complies with the reasonable investigation requirements as mandated by the FCRA. 
The specific items I disputed include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided all relevant and supporting documentation at the time of dispute, including but not limited to : * Several dispute letters, Drivers license, SSN, FTC report & Method of Verification letter However, I have reason to believe that your company has failed to : * Complete a reasonable investigation into my disputes, as required under 15 U.S.C. 1681i ( a ) ( 1 ). 
* Provide me with the results of your investigation or an accurate response within the 30-day timeframe as mandated by the FCRA. 
* Correct or delete any inaccurate or unverifiable information in my credit report under 15 U.S.C. 1681e ( b ), which requires that all information on a credit report be accurate, up-to-date, and verifiable. 
3. Lack of Proper Investigation I assert that after filing my dispute and providing the necessary documentation, I did not receive proper acknowledgment or any substantive response from your office, nor did I see a timely resolution of the inaccuracies on my credit report. As a result, I am left with no alternative but to declare that the credit bureau has failed to comply with the statutory requirements set forth under the FCRA. 
4. Request for Immediate Action I respectfully request that you : * Reinvestigate the disputed items and correct or delete any inaccurate, incomplete, or unverifiable information from my credit file. 
* Provide me with written confirmation of your investigation results and any changes made to my credit report within the statutory time frame. 
* Certify that you are in compliance with the FCRA in regards to this matter. 
Failure to comply with this request may result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or seeking judicial remedies for the non-compliance with the FCRA under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which authorize private individuals to sue for damages and attorney fees when their rights under the FCRA are violated. 
5. Affirmation of Truth and Fact I affirm that the facts stated in this affidavit are true and accurate to the best of my knowledge. I further acknowledge that any false statements made herein may subject me to legal penalties.

Company response to consumer: Closed with explanation