Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
[ Your Full Name ] \ [ Your Address ] \ [ City, State, ZIP Code ] \ [ Date ] [ Credit Bureau Name ] \ [ Address of Credit Bureau ] \ [ City, State, ZIP Code ] Re : Formal Dispute and Notice of Violation of 15 U.S.C. 1681o To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S.C. 1681o, regarding your negligent noncompliance with your legal obligations. I am bringing to your immediate attention inaccuracies in my credit report that require immediate correction. 

# # # Disputed Items : [ XXXX XXXX XXXX Account # XXXX Amount \ {$850.00} XXXX XXXX XXXX Account # XXXX Amount \ {$810.00} XXXX XXXX XXXX Account # XXXX Amount \ {$4100.00} ] # # # Basis for Dispute : The items listed above are inaccurate, unverifiable, and/or outdated. You are obligated under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving this dispute. Failure to do so constitutes a violation of federal law. 

# # # Your Legal Obligations : 1. **Under 15 U.S.C. 1681i** You are required to reinvestigate disputed information promptly, verify its accuracy, or delete it from my report.

2. **Under 15 U.S.C. 1681o** Negligent failure to comply with your obligations makes you liable for actual damages sustained as a result, along with costs and attorneys fees. 

# # # Demand for Action : You must take the following actions within 30 days : 1. Conduct a full reinvestigation of the disputed items.

2. Provide a written response detailing the results of your investigation.

3. Correct or delete any unverifiable, inaccurate, or outdated information.

4. Provide me with a free copy of my updated credit report.

# # # Notice of Intent to Pursue Legal Action : Should you fail to comply with these legal obligations, I will have no choice but to pursue all available legal remedies. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or initiating a lawsuit to seek damages, costs, and attorneys fees as outlined in 15 U.S.C. 1681o.

This letter is not only a formal dispute but also notice of your liability should you fail to comply. Negligence in fulfilling your statutory duties will not be tolerated.

I expect your prompt attention to this matter and a written response within the legally mandated timeframe. Failure to comply will confirm your disregard for consumer rights, leaving me no choice but to escalate this matter further.

Sincerely, [ Your Full Name ] \ [ Last Four Digits of Social Security Number ] \ [ Date of Birth ] \ [ Email Address ] \ [ Phone Number ] **Enclosures : ** - Copy of my government-issued ID - Proof of address ( utility bill or similar )

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