Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Experian** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : Litigation Notice for Inaccurate Credit Reporting and Violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681a ( 2 ) ( i ) ** Dear Sir/Madam, This letter serves as formal notice of a potential legal action regarding your company 's failure to comply with the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S.C. 1681a ( 2 ) ( i ) **. As outlined by the statute, consumer reporting agencies are obligated to ensure that all information reported is accurate, complete, and verifiable. I have identified significant inaccuracies on my credit report which have caused harm, and you have failed to correct these errors despite the legal requirements to do so. 

**Account in Question : ** - **Creditor : ** XXXX XXXX XXXX XXXX  - **Account Number : ** XXXX - **Disputed Information : ** Inaccurate payment history, specifically for the years XXXX and XXXX, and the associated missed or late payment entries. 

**Violation of 15 U.S.C. 1681a ( 2 ) ( i ) : ** Under **15 U.S.C. 1681a ( 2 ) ( i ) **, credit reporting agencies are mandated to report information that is accurate and verifiable. By continuing to report inaccurate data related to my XXXX XXXX XXXX XXXX account, including late payments and erroneous missed payment entries, your agency is in violation of this statute. Furthermore, the law imposes a duty on credit reporting agencies to thoroughly investigate any disputed information upon notification, and it is my understanding that you have failed to fulfill this obligation in this matter. 

# # # **Facts of the Case : ** 1. **Inaccurate Reporting : ** The payment history reflected for my XXXX XXXX XXXX XXXX account contains inaccuracies, including false entries for missed and late payments during the years XXXX and XXXX. These entries do not align with my actual payment records and are incorrectly reflected on my credit report.

2. **Damages : ** As a result of these inaccuracies, I have experienced unwarranted damage to my credit score and reputation, which has negatively impacted my financial standing and caused significant emotional distress. These issues may also result in loss of credit opportunities and potential financial harm. 

# # # **Request for Immediate Action : ** In accordance with **15 U.S.C. 1681i**, I am requesting that you immediately : 1. **Conduct a full investigation** into the accuracy of the reporting for my XXXX XXXX XXXX XXXX account XXXX 
2. **Remove the inaccurate information** regarding missed and late payments.

3. Provide me with **written confirmation** of the changes made to my credit file.

**Potential Litigation : ** If you fail to take corrective action as required by law within the statutory period, I will have no choice but to pursue all available legal remedies, including but not limited to : - **Filing a lawsuit** for violations of the Fair Credit Reporting Act under **15 U.S.C. 1681n** and
**15 U.S.C. 1681o**. This includes seeking damages for harm caused by your continued reporting of inaccurate and harmful information.

- Seeking **statutory damages**, **actual damages**, **punitive damages**, and recovery of legal fees as allowed under the FCRA.

Please note that I am prepared to file a complaint in federal court if these violations are not rectified promptly.

**Demand for Compliance : ** This letter serves as your final opportunity to resolve this matter amicably without litigation. I request that you rectify the inaccuracies on my credit report and ensure that future reporting of my account is accurate and in full compliance with the FCRA.

I expect your formal response within **30 days** of receipt of this letter. Failure to respond or correct the violations within this time frame will result in legal action being initiated.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX