Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Consumer Resolution Team, I am writing to formally dispute the inaccurate information currently listed on my credit report. Despite having previously notified you on multiple occasions regarding the errors, they remain unresolved. This repeated failure to correct the inaccuracies is a violation of both federal and state consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and other relevant local statutes governing credit reporting. 
The specific errors on my credit report include late payments throughout XXXX and XXXX, the account has not been updated recently on my credit report. The balance, payment history, or other details do not accurately reflect recent activity, The report currently lists the opening date as XXXX However, the correct opening date is XX/XX/XXXX, The report currently shows a balance of XXXX, which is not accurate. Based on my records, the correct balance should be The report currently shows a balance of XXXX,. I have already provided sufficient documentation proving that these entries are incorrect, including such as payment ledger etc Under the FDCPA, as well as under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. These statutes demand that credit bureaus conduct thorough investigations into disputes, and they are prohibited from continuing to report inaccurate or misleading information once it is identified. 
Violations Under FDCPA and State Laws : 1. Failure to Investigate : Under the FDCPA Section 809 ( 15 U.S. Code 1692g ), I have made several attempts to dispute the inaccurate information in writing, and you are legally obligated to conduct a reasonable investigation into my dispute and correct the erroneous entries. 
2. Continuing to Report Inaccurate Information : By failing to resolve the inaccuracies despite my repeated notifications, you are in violation of the FCRA which requires that disputed information be corrected or removed if found to be inaccurate after investigation. 
XXXX. Failure to Communicate Results of Investigation : Under FCRA Section 611 ( 15 U.S. Code 1681i ), I am entitled to a written response detailing the results of your investigation and any corrections or deletions made to my credit report. You have failed to provide this response, as required. 
Given these violations, I hereby demand that the inaccurate information be permanently removed immediately, effective the date of this letter. Failure to do so will leave me with no choice but to take legal action, including filing a lawsuit for violations of both the FDCPA and FCRA, as well as any relevant state consumer protection laws. 
Please be advised that I have documented all prior communications regarding this matter and will be prepared to present this evidence in court if necessary. I am also prepared to seek remedies available under the law, including statutory damages, attorneys fees, and other compensatory damages as may be applicable.

Additionally, if you fail to take appropriate action within the 30-day timeframe, I will also file complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and my states attorney generals office to further pursue my case. 
I expect a prompt and thorough resolution of this matter. If you have any questions or need further documentation, please contact me immediately at the address or phone number listed above. 
Sincerely, XXXX XXXX

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