Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Consumer Financial Protection Bureau Subject : XXXX XXXX  Erroneous Reporting and FCRA Violations Dear Sir/Madam, I am writing to bring a grave matter to your attention regarding the credit reporting practices of XXXX, a creditor with whom I have had an account. Despite notifying XXXX twice through each credit bureau about the erroneous information they have reported on my credit file, they have continuously failed to rectify the issue. 

Exhibit A : FCRA Violations by XXXX Violation 1 : Failure to Provide Disclosures XXXX did not provide any disclosures before reporting my credit information, as required by the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 2 ). Potential statutory damages for this violation amount to {$100.00} to {$1000.00}.

Violation 2 : Lack of Opt-Out Options XXXX neglected to provide me with any opt-out options, contravening FCRA, Section 609 ( e ). Potential statutory damages for this violation amount to {$100.00} to {$1000.00}.

Violation 3 : Absence of Privacy Disclosures XXXX failed to furnish any privacy disclosures as mandated by FCRA, Section 609 ( a ) ( 1 ). Potential statutory damages for this violation amount to {$100.00} to {$1000.00}.

Violation 4 : Inaccurate Reporting XXXX continued to report erroneous information despite being informed of the inaccuracies twice, violating FCRA, Section 611 ( a ) ( 1 ) ( A ). Potential actual damages for this violation may include any losses I suffered due to their inaccurate reporting.

Violation 5 : Lack of Data Redundancy XXXX reported conflicting information to each credit bureau, displaying a lack of data redundancy and accurate record-keeping, violating FCRA, Section 607 ( b ). Potential actual damages for this violation may include any losses I incurred due to their poor record-keeping.

Exhibit B : Potential Monetary Awards Violation 1 : Failure to Provide Disclosures - {$1000.00} Violation 2 : Lack of Opt-Out Options - {$1000.00} Violation 3 : Absence of Privacy Disclosures - {$1000.00} Violation 4 : Inaccurate Reporting - Actual damages to be determined in court Violation 5 : Lack of Data Redundancy - Actual damages to be determined in court Potential Total Monetary Award in Court : {$3000.00} ( statutory damages ) + Actual damages for Violation 4 + Actual damages for Violation 5 I believe that XXXXXXXX XXXX continuous disregard for FCRA regulations has caused significant damage to my financial standing and well-being upwards of {$10000.00}. Despite giving them ample time to rectify their errors, they persist with frivolous furnishings, leading me to seek justice through legal action.

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and hold XXXX responsible for their actions. Your intervention is essential in upholding consumer rights and ensuring fair and accurate credit reporting practices. 

Thank you for your attention to this critical issue. I trust that the Consumer Financial Protection Bureau will take appropriate action to remedy this situation and protect the interests of consumers like myself. 

Sincerely, XXXX XXXX