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

Subject : Follow-Up on FCRA Violation and Demand for Correction I am writing to formally follow up on my previous correspondence dated XX/XX/year>, regarding inaccuracies in my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ). 

In my earlier communication, I outlined several discrepancies that are damaging my credit score, including misspellings of my name, incorrect address information, inaccurate employer details, and erroneous risk factors. As a reminder, my correct name is XXXX XXXX XXXX, and my only address is XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies are mandated to conduct a reasonable investigation of any disputes within 30 days of receiving a consumer 's request. However, to date, I have not received a satisfactory response from XXXX, which constitutes a violation of my consumer rights under the FCRA. 

This delay in addressing my dispute and the inaccuracies reflected in my credit report have caused me significant harm, including [ specify any adverse consequences such as being denied credit, incurring higher interest rates, or being unable to secure housing or employment ]. 

In light of this violation, I am demanding monetary relief for the damages incurred as a result of XXXXXXXX XXXX  failure to comply with the FCRA. I am entitled to seek actual damages, statutory damages, and reasonable attorney 's fees and costs. Therefore, I demand compensation in the amount of [ specify the amount you believe is fair and reasonable ] for the damages caused by XXXXXXXX XXXX inaction. 

I expect a prompt response to this demand letter within 30 days from the date of receipt. Failure to provide a satisfactory response or offer appropriate monetary relief may result in further legal action to protect my rights under the FCRA. 

Please be advised that if I do not receive a satisfactory response to all five of my demands by [ insert deadline, typically 30 days ], I will have no choice but to pursue legal action against XXXX. I will also be seeking {$1000.00} per violation for the following claims : 1. **Defamation of Character** : Your failure to report accurate information has significantly impacted my reputation and credibility.

2. **Negligent Non-Compliance** : Your actions demonstrate a lack of diligence in adhering to the Fair Credit Reporting Act ( FCRA ) and related regulations.

3. **Civil Liability** : I will hold your company accountable for the damages incurred as a result of your non-compliance with the FCRA.

4. **Mental Anguish** : The distress caused by the inaccuracies in my credit report and your lack of response has resulted in significant emotional turmoil.

5. **Violations of the Fair Credit Reporting Act** : Specifically, I am citing willful non-compliance under 15 U.S.C. 1681 and related regulations.

Please consider this letter a final opportunity to resolve these matters amicably. I urge you to take this demand seriously and respond with a plan for resolution by the specified deadline. Failure to do so will result in the initiation of legal proceedings against your company.

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Enclosures : Original letter dated XX/XX/year> ]