Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX and my second letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number XXXX This account continues to be verified as accurate which is false and still has a number of inaccurate information being reported. Ive asked for these accounts to be removed from my reports, Ive sent numerous letters asking for proof and I havent gotten a response. This account is reporting constantly reporting C/O as if the account is open with experian from XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX. Its also reporting last day of payment was XX/XX/XXXX but its being reported as Charged off. Its also stated on XXXX that this account was in good standing XX/XX/XXXX but reported Charge off from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. According to XXXX XXXX XXXX XXXX, XXXX, XXXX and experian are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. 
XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX By not replying in a timely manner to my initial letters, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
The listed items is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now delete and remove these items from my report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX