Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12003046

Complaint Overview

Complaint ID: 12003046

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Indiana

ZIP Code: 46312

Date Received: 2025-02-08T12:00:00-05:00

Date Sent to Company: 2025-02-08T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Subject : Formal Complaint Ongoing FCRA Violations ( 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report for the ninth time. Despite my multiple reinvestigation requests, the inaccuracies remain, and your responses continue to state the information has been " verified. '' This is not the case, as the errors remain uncorrected, with inconsistent reporting dates across different credit bureaus. This failure to properly investigate and correct inaccurate information violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) requiring a reasonable reinvestigation of disputed information. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requiring disclosure of the method of verification upon request. who verify the name and how it was verify 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting the reporting of inaccurate information. Disputed Information : Creditor/Furnisher : XXXX XXXX XXXX Account XXXX : XXXX I will attach the evidence of all the inaccuracies Elan Financial reporting verify while the inaccuracies remains you have kept sending me these accounts are verify yet the account remain the same You refuse to do your your job and this has effected me Inaccuracies Remaining : different reporting dates across bureaus I have circled all the inaccuracies on the attachment Since your repeated responses fail to correct these inaccuracies, I am now demanding the following under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : How was this information verified? The name, contact details, and records used by the furnisher to verify this information. A copy of the verification proof used to confirm the accuracy of this account. Since you have failed to ensure accuracy and reinvestigate properly after multiple requests, I demand the immediate deletion of this account under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). If this issue is not resolved within 30 days, I will escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). Pursuing legal action under 15 U.S.C. 1681n & 1681o, which entitles me to statutory damages of up to {$1000.00} per violation, plus punitive damages and attorneys fees. This is my final request before taking further action. Please confirm receipt of this letter and provide the requested verification details immediately.

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