Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XX/XX/2023 To Whom It May Concern, I am writing to formally lodge a complaint against Experian, XXXX, and XXXX regarding inaccurate information present on my credit reports. Despite my repeated attempts to resolve this matter through the proper channels, including submitting disputes over the past 8 months, I have received no satisfactory response from any of the aforementioned credit reporting agencies ( CRAs ). This consistent lack of response and rectification has left me no choice but to escalate this matter further, up to and including legal action. 

The following accounts are being inaccurately reported on my credit reports : XXXX XXXX BANK - SS # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX  - # XXXX XXXX XXXXXXXX - # XXXX XXXX - # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - # XXXX It is imperative to highlight that the Fair Credit Reporting Act ( FCRA ) explicitly mandates that CRAs ensure the accuracy of the information they report. It is unlawful under the United States Code ( USC ), specifically Title 15, Section 1681s-2 ( a ) ( 1 ) ( A ), for CRAs to report information that they know, or should have known, to be inaccurate. The negligence demonstrated by Experian, XXXX, and XXXX is in violation of this statute and is causing undue emotional distress, as well as hindering my financial opportunities. 

I have diligently submitted disputes to address the inaccuracies on my credit reports. However, despite these submissions, there has been a consistent failure on the part of the CRAs to conduct a proper investigation, validate the information, and provide adequate verification as required by law. This negligence is not only harming my financial reputation but also causing severe emotional distress due to the ongoing obstacles it poses to my personal and professional life. 

Given the gravity of this situation, I hereby demand that the aforementioned accounts be promptly corrected and updated on my credit reports in accordance with the FCRA. I expect an immediate response indicating that the necessary actions have been taken to rectify the inaccuracies. Failure to comply with this request within 10 business days will leave me with no choice but to initiate legal proceedings against Experian, XXXX, and XXXX for their violations of the FCRA. 

Furthermore, in accordance with the FCRA, I must emphasize that for each violation of the aforementioned statute, CRAs can be held liable for a fine of up to {$1000.00}. I am prepared to pursue such actions if the inaccuracies on my credit reports are not rectified within the stipulated timeframe. 

I trust that you will treat this matter with the seriousness it deserves and take immediate action to correct the inaccurate information on my credit reports. I eagerly await your prompt response. Please contact me at [ your phone number ] or [ your email address ] to communicate any updates or resolutions related to this matter. 

According to the United States XXXX ( XXXX XXXX. XXXX ), it is illegal to report inaccurate information knowingly or negligently. Your failure to comply with this federal law will not go unaddressed. I demand that you take immediate action to : Remove all inaccurate information pertaining to the aforementioned accounts from my credit reports. 
Provide written confirmation of the removal of said information within 30 days from the receipt of this letter. 
Failure to comply with this demand will leave me no choice but to initiate legal proceedings against Experian, XXXX, and XXXX for the damages I have suffered due to your actions. Pursuant to the FCRA, I am entitled to seek statutory damages of {$1000.00} for each willful violation. Please note that my intent is not to seek litigation but to ensure my rights are upheld and my credit reports accurately reflect my financial standing. 

I strongly urge you to prioritize this matter and rectify the errors promptly. Your swift attention to this issue will help avoid further escalation. 

Sincerely, 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