 Letter for EX's "Previously Investigated" Response
This letter should be sent to EXP AND their registered agent:
RE: NOTICE OF INTENT TO SUE EXPERIAN INFORMATION SOLUTIONS, INC.
To whom it may concern:
On xxx xx, xxxx I sent a dispute Certified Mail # xxxx xxxx xxxx xxxx xxxx to Experian wherein I disputed xxxxxxxxxxxxx Account #xxxx xxxx xxxx xxxx as never late
On xxx xx, xxxx Experian received my dispute as recorded on the return receipt.
On xxx xx, xxxx Experian sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED.
On xxx xx, xxxx, I proceeded to access my consumer report via Experian's website and make copies of the information pertaining to xxxxxxxxxx Account #xxxx xxxx xxxx xxxx.
15 U.S.C. 1681i(a)(1)(a) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. While the correspondence that was sent by Experian on xxx xx, xxxx indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant.
It has been 3x days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation date of x-xxxx. Based on the previous information, I am hereby demanding deletion of xxxxxxxxxx Account # xxxx xxxx xxxx xxxx from my Experian file pursuant to 15 U.S.C. 1681i(a)(1)(a). I will NOT accept another reinvestigation of the account ONLY deletion.
Experian has 10 days from the tracked receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experian�s willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken.
I look forward to an amicable solution to this matter.
*courtesy of dixiedrifer from CB
*Please keep in mind this is an ITS letter. It is only a guideline. If you do not intend to follow through, then you need to be sure and change some of the wording here.
You can still get your point across without threatening lawsuit.
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