Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Subject : Formal Dispute and Demand for Immediate Correction Violation of FCRA Section 1681o for Civil Liability Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX XXXX XXXX as listed under Account Number : XXXX on my Experian credit report. This account is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 1681o, which holds parties accountable for negligent non-compliance with credit reporting obligations. 

Complaint and Account Discrepancy : The account in question contains inaccurate, incomplete, or outdated information that has been reported negligently, potentially damaging my creditworthiness and causing significant distress. This represents a clear violation of FCRA Section 1681o, which mandates that all information provided to credit bureaus must be accurate and verifiable. Your failure to correct this issue, despite my previous attempts to resolve it, has not only harmed my financial reputation but has also subjected me to unjust consequences. 

Legal Consequences for Non-Compliance : According to FCRA Section 1681o, if the reporting agency or the information provider ( i.e., XXXX XXXX XXXX XXXX ) negligently fails to comply with the regulations set forth in the Act, they are liable for actual damages, including punitive damages, legal costs, and attorneys fees. I am hereby putting you on formal notice that should this issue not be rectified immediately and this account be corrected or removed from my credit report, I will pursue civil action for the damages incurred due to your negligence. 

I demand the immediate removal or correction of this erroneous entry. This is not a mere request, but a legal requirement under the FCRA that must be adhered to without delay. Should this dispute remain unresolved within the legally mandated 30-day period, I will not hesitate to escalate the matter and seek both monetary compensation and legal remedies for your failure to comply with the law. 

Proof of Violation : I have attached a copy of my most recent credit report reflecting the negative account entry, along with relevant documentation supporting my claim of non-compliance. Should you require any additional information to rectify the matter, I expect a prompt and thorough response. 

Please be advised that your negligence in handling this dispute will leave me no choice but to take the necessary legal action against both your agency and XXXX XXXX XXXX XXXX for the financial damages caused by your non-compliance. 

I look forward to receiving your immediate response confirming the removal or correction of this account within 14 days. Failure to do so will prompt me to exercise all legal options available to me. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation