Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Notice of Intent to Pursue Legal Action under 15 USC 1681n ( this is the same letter i mailed to your organization ) I hope this letter finds you well. I am writing to bring your attention to a serious matter regarding my rights under the Fair Credit Reporting Act ( FCRA ), specifically the provisions outlined in 15 USC 1681n.

As you may be aware, 15 USC 1681n establishes the right of individuals to seek legal remedies for willful noncompliance with the FCRA by any person or entity that furnishes information to consumer reporting agencies. It states that any person who willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer is potentially liable to that consumer for actual damages, punitive damages, and reasonable attorney 's fees. 

After careful review of my credit report, which was obtained from XXXX, Experian and XXXX on XX/XX/23 I have discovered the same numerous inaccuracies and discrepancies in the information reported about me. These inaccuracies have had a detrimental impact on my financial standing, causing difficulties in obtaining credit, employment, and other essential aspects of my life. I have disputed them with each credit Burrough and the items are still there, I do not get any responses from them. I have mailed over 4 letters in the past 169 days. 

Upon discovering these inaccuracies, I promptly filed a dispute with XXXX, Experian and XXXX in accordance with the FCRA. Despite providing ample evidence to support my claims, I have received no satisfactory resolution to rectify the erroneous information within the 30-day investigation period mandated by the FCRA. It has been 169 days and still no response.

It is evident that your organization has willfully failed to comply with the requirements imposed under the FCRA, resulting in significant harm to my financial well-being and overall quality of life. As a result, I hereby notify you of my intent to pursue legal action against your company under 15 USC 1681n. 

I demand the following actions to be taken immediately to rectify the damages caused : - Remove all inaccurate information pertaining to my credit history in your possession and submit the updated information to all consumer reporting agencies to which you have provided the erroneous data. 

- Provide me with written confirmation of the corrective measures taken and ensure that all relevant parties involved, including any third-party entities to whom the inaccurate information was disclosed, receive the updated and accurate data. 

- Reimburse me for any financial losses or damages incurred as a direct result of the inaccuracies in my credit report, including any fees paid for credit applications or employment opportunities that were denied due to the erroneous information. 

- Cover all legal expenses incurred by me in pursuing this matter, including reasonable attorney 's fees.

I urge you to take immediate action to rectify these issues and prevent the need for further legal action. Failure to comply with my demands within [ reasonable timeframe, e.g., 30 days ] will leave me with no choice but to pursue all available legal remedies under 15 USC 1681n, including filing a lawsuit to seek the aforementioned damages. 

Please consider this letter as a final opportunity to resolve this matter amicably before initiating legal proceedings. I trust that you will act promptly and responsibly to address these issues, as required by law. 

Thank you for your immediate attention to this matter. I look forward to receiving a written response outlining the steps you intend to take to rectify the situation. 

Yours sincerely, XXXX XXXX INCORRECT PERSONAL INFORMATION : The only name and address that should be on any of my credit reports is as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX All other names and address are incorrect, invalid and erroneous and need to be removed immediately. 

ERROUNEOUS AND INVALID INFORMATION COLLECTIONS AND CHANRGEOFFS : I am lost as to why all these accounts are reporting on my credit, some are listed numerous times and I want these removed immediately, all 3 credit Burroughs have failed to respond back to me. I have given them 169 days and never received a response back from them. As a result, I hereby notify you of my intent to pursue legal action against your company under 15 USC 1681n.

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 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 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 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 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