Consumer complaint received 2024-12-14 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: CA

Complaint narrative:
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 XXXX Subject : Request for Description of Investigation Process Formal Dispute under FCRA To Whom It May Concern, I am writing to formally request a detailed description of the investigation procedures conducted regarding the disputed accounts on my credit report. Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedures used to verify the accuracy of the disputed information.

I demand this description within 15 days, as required by federal law, or the deletion of the disputed accounts if verification can not be sufficiently substantiated. The accounts in question are as follows : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Provide a detailed description of the investigation conducted to verify the accuracy of this account, including : The evidence obtained. 
The name of the source ( XXXX ) of information. 
A summary of how the investigation was carried out. 
XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) : Provide a detailed description of the investigation conducted to verify the accuracy of this account, including : The evidence obtained. 
The name of the source ( XXXX ) of information. 
A summary of how the investigation was carried out. 

If you can not verify the accuracy of these accounts, you are legally required to delete them from my credit report immediately under 15 U.S.C. 1681c-2 ( a ). I also request that your procedures and corrections adhere to Metro 2 format, ensuring compliance with industry standards for credit reporting. 

Acknowledgment Clause : I understand the importance of the acknowledgment process for my dispute. By submitting this letter, I affirm my identity and voluntarily request this investigation. All enclosed information is accurate to the best of my knowledge. 

State of California Acknowledgment ( Optional Notarization ) This letter may be notarized as a formal acknowledgment to affirm the legitimacy of the dispute process if required. Please let me know if notarization is needed to expedite the resolution.

Follow-Up Plan : If I do not receive a satisfactory response or resolution within the required timeframe, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant regulatory bodies. Additionally, I am prepared to pursue legal remedies, including claims for damages, as outlined in 15 U.S.C. 1681n and 1681o for non-compliance or negligence.

Thank you for your attention to this matter. I expect a prompt response and resolution within the timelines mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachments : Copy of my government-issued ID. 
Copy of proof of address. 
FTC Identity Theft Report ( Report Number : XXXX ). 
XXXX Police Department Report ( 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