This is the content of an intent-to-sue letter I have drafted in response to Experian's outright lie that they investigated certain entries on my report. The creditor verified with me that Experian never contacted them about the accounts. Can some of you tell me if this letter will work? Thanks, Tom --------------------------------------------------- Dear Sir or Madam, YOU HAVE VIOLATED THE FAIR CREDIT REPORTING ACT! I disputed several student loan entries listed on my credit report on or around June 21, 2001. These appear to be duplicates and they are harming my credit. Six days later, you claimed the investigation was completed and that the items were to remain on my file. I have since contacted my servicer regarding this alleged investigation and requested my own verification that these items were, in fact, investigated by your company. They were not. They have no record of you ever contacting them regarding these accounts. Be aware, they DO keep records as evidenced by the fact that they were able to confirm for me that one of your competitors requested an investigation just 3 days ago. Additionally, you list a bankruptcy on my credit file that is also incorrect. Please be advised that, during my investigation, I noted the names, addresses, and telephone numbers of the people I corresponded with regarding these issues and they are willing to support my claims that your company never verified these items. You are now on notice that I intend to file suit against your company for defamation and violations of the FCRA if these inaccurate items are not completely removed from my Experian credit file within 5 business days.