Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian, and XXXX Fail to Meet Statutory Obligations.Upon reviewing my credit report I was devastated to find a number of errors on my report. This has absolutely enraged me as I am looking to get and build credit and this gross misrepresentation of my credit is inhibiting me from being able to do so and in turn affecting my day to day life. My interest rates have skyrocketed, and this is having a dismal effect on my life and ability to purchase necessities for myself and family. I require these gross inaccuracies be taken off my report as soon as possible in order to restore my good standing. 
On XXXX, XXXX, I paid {$14000.00}, the full amount balance of XXXX XXXX autoloan off for my XXXX XXXX. After reviewing my account I saw a remainingBalance for {$15.00} and I paid that as well. XXXX XXXX  sent me a refund for overpayment on my auto loanaccount # XXXX Escalade and I got my title as a result of full payment with the account.XXXX, Experian, and XXXX have beenreporting the false information on my creditreport since XX/XX/2023 and still until today, violations of 15 U.S.C. 1681 FairCredit Reporting Act ( FCRA ). 
I have reached out to 3 Credit Bureaus to make a XXXX XXXX  account correction from my file and they are always saying the same excuse, which is no longer acceptable. Regardless of all actions done on my end, there was no action from the 3 Credit Bureaus. I would like the 3credit reporting agenciesto pleasepromptlyupdatetheir records to reflectPaid, Closed/Never late XXXX XXXX  and XXXX, Experian, and XXXX in violations of 15 USC 1666b latepayments and 15 USC 1601 hard inquiries.Attached, payment history from XXXX XXXX  , check letter, car title, ID, bill and SS #. 

Furthermore, I would like Experian XXXX to remove inaccurate and outdated data from my consumer report, Address at XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX. I recently obtained a copy of my report from your company and was concerned that several errors require your attention. Delete Fraudulent inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. I request that you remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report ASAP. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete false information from my consumer report immediately! XXXX XXXXsuffered damages as a result of the misrepresentation.As a result ofXXXX, Experian, and XXXXviolations of FairCredit Reporting Act ( CFRA ). XXXX XXXX has beenharmed and damaged.BecauseXXXX, Experian, and XXXXviolations of Fair Credit Reporting Act ( CFRA ), XXXX XXXX is entitled to damages in accordance with FairCredit Reporting Act ( CFRA ) of $ XXXX XXXX will be compelled to pursue potential legalaction againstXXXX, Experian, and XXXX.I will be seeking injunctive relief, substantial monetary damages, including, but not limited to, special, punitive, and compensatory damages, court and attorneysfees, and all additional remedies, relief, and penalties by law or in equity, to the fullest extent permitted by law. The foregoing is submitted withoutprejudice and with full reservation of all rights and remedies.