Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXXXXXX, I am writing to express my extreme displeasure and to dispute the numerous inaccuracies and violations in your reporting of the following accounts : XXXX. XXXX XXXX Acct # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your actions are in clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Metro II reporting standards. I demand that you take immediate corrective action to rectify these issues and comply with your legal obligations. 

Firstly, the dates reported for these accounts, including the dates opened, last active, and last reported, are inconsistent and inaccurate across different credit bureaus. This is a blatant violation of FCRA Section 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate information. Additionally, this violates Metro II reporting standards, which mandate accurate and consistent reporting of account information. Penalties for FCRA violations can reach up to {$1000.00} per violation under Section 616.

Moreover, it is evident that these accounts have been re-aged to extend their legal termination dates. This practice is strictly prohibited under FCRA Section 623 ( a ) ( 5 ), which forbids furnishers from reporting information that they know or have reasonable cause to believe is inaccurate. Re-aging accounts is also a clear violation of Metro II standards, which require accurate reporting of account dates. Penalties for this violation can include statutory damages of up to {$1000.00} per violation, punitive damages, and attorney 's fees under FCRA Sections 616 and 617.

The presence of multiple violations across these accounts demonstrates your complete disregard for the law and the rights of consumers. Your actions have caused significant harm to my credit profile and have hindered my ability to obtain credit and other financial services.

I demand that you immediately cease reporting these inaccurate and violative accounts to the credit bureaus and remove any negative information associated with them from my credit reports. Furthermore, I expect you to conduct a thorough investigation into these matters and provide me with evidence supporting your reporting, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

Failure to comply with these demands within 30 days will result in my taking swift legal action against your companies, seeking the maximum penalties allowed under the FCRA and any other applicable laws. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office.

Your prompt attention to this matter is required. I will not hesitate to pursue all available legal remedies to protect my rights and hold your companies accountable for your egregious violations. Your blatant disregard for the law and consumer rights will not be tolerated. 

Sincerely, XXXX XXXX XXXX