Product: Credit reporting or other personal consumer reports

Experian along with XXXX are taking longer than 60 days to answer and resolve issues. The CFPB allows this by just marking The item as a duplicate complaint when it's nearing the 60 day mark so they don't have to do anything either. This tells me that they are being unethical and working in conjunction with the credit bureau and favoring the credit bureaus and creditors instead of the consumer. I have plenty of evidence to support this. 

Furthermore I am seeing that there is discrimination going on with Experian due to my race, ethnicity and gender. For example they removed XXXX XXXX from my credit report the minute I pay it off to keep my score low. Why is my score XXXX points lower than XXXX and XXXX with exactly the same information on it? There is literally no difference between the XXXX reports. Why did they remove XXXX XXXX? Why do they continue to not follow their credit reporting with sending me information, answering questions, changing information that is incorrect, and the list goes on. 

Below this information has been sent to both affirm and experian along with CFPB as they will be named in my lawsuit motion. 

I am writing to formally notify you of my intent to pursue legal action against you for failing to correct inaccurate information reported on my credit report regarding the account referenced above. 

As you are aware, I have previously disputed the erroneous reporting of being XXXX days late** for the month of XXXX XXXX on the account, which was paid off in full in XXXX XXXX. Despite my repeated efforts to resolve this issue, including [ CFPB disputes left unanswered for 60 days or more, phone calls, emails, and other communications, the inaccurate late payment continues to be reported on my credit file. 

You have stated that I did not make a timely payment for the XX/XX/year> payment ; however, this is not accurate. I made a timely payment on XX/XX/year>, which is documented, and I have evidence to support this. If you fail to apply these payments promptly and do not follow fair credit reporting practices regarding what constitutes a late payment and how many days a payment must be overdue before it is considered late, the responsibility lies with XXXX. 



The specific sections of the **Fair Credit Reporting Act ( FCRA ) ** that may have been violated in your case, based on the continued reporting of inaccurate information despite your attempts to correct it, include : # # # 1. **Section 1681i - Procedure in Case of Disputed Information** - **FCRA 1681i** requires that when a dispute is filed regarding information on your credit report, the credit reporting agency must investigate the dispute within XXXX days**. If the information can not be verified, it must be **removed** from your credit report. 
- If the creditor and credit bureaus have failed to correct the inaccurate XXXX late reporting or update your account as closed after you paid off the loan, they may be in violation of this section.

- **Violation Example** : If the credit bureaus did not fully investigate your dispute or continued to report the incorrect information after their investigation, this could be a violation of 1681i.

# # # 2. **Section 1681s-2 ( b ) - Duties of Furnishers of Information** - Under **FCRA 1681s-2 ( b ) **, when you dispute inaccurate information, the creditor ( the " furnisher of information '' ) must **investigate the dispute**, **correct the information**, and notify the credit bureaus of any changes. They must also report accurate data and stop reporting inaccurate or outdated information. 
- **Violation Example** : If the creditor has been notified of the dispute and failed to correct the account information ( e.g., continuing to show a 90-day late status instead of reflecting the account as closed or paid ), they may be violating their obligations under 1681s-2 ( b ).

# # # 3. **Section 1681e ( b ) - Accuracy of Credit Reports** - **FCRA 1681e ( b ) ** requires that **credit reporting agencies maintain procedures to ensure maximum possible accuracy** of the information in your credit file. 
- **Violation Example** : If the credit bureaus are reporting inaccurate late payments or failing to reflect the account as paid or closed when it was actually paid off, they may be in violation of this section.

# # # 4. **Section 1681n - Civil Liability for Willful Noncompliance** - Under **FCRA 1681n**, you may sue for **willful noncompliance** if the creditor or credit bureaus willfully or knowingly violated any provisions of the FCRA. 
- **Violation Example** : If the credit bureaus or creditor willfully continue to report inaccurate information despite your disputes, you may have grounds for a claim under this section.

- **Potential Outcome** : If you win a lawsuit under this section, you may be entitled to **actual damages** ( for harm caused ), **statutory damages** ( up to {$1000.00} ), and **punitive damages** if the violation is deemed willfu
l, along with attorneys fees.

# # # 5. **Section 1681o - Civil Liability for Negligent Noncompliance** - Under **FCRA 1681o**, if the violation was negligent ( i.e., the creditor or credit bureaus did not take reasonable steps to ensure accuracy ), they may be liable for actual damages but not punitive damages. 
- **Violation Example** : If the creditor or credit bureaus neglected to correct the error after you disputed it. 


Thank you, XXXX XXXX