Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : Formal Demand to Remove Inaccurate XXXX XXXX  Account from Credit Report To Whom It May Concern, This letter serves as my third and final demand that you immediately remove the inaccurate child support account information from my credit report. I have previously notified you of the inaccuracies, yet no corrective action has been taken. This ongoing violation of federal law demonstrates negligence and disregard for your legal responsibilities. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally obligated to ensure that all information you report is accurate, complete, and verifiable. Specifically : 1 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the information they report. 
2 15 U.S.C. 1681i ( a ) ( 1 ) : Upon notice of a dispute, you are required to conduct a prompt and thorough reinvestigation to verify or remove the contested information. 
3 15 U.S.C. 1681n : Noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of {$1000.00} per violation, punitive damages, and attorney fees. 
In addition to your violations of the FCRA, multiple court rulings have affirmed the illegality of reporting inaccurate or unverified child support accounts to credit bureaus : XXXX XXXX XXXX United States ( XXXX ) : The court ruled that the federal government wrongfully reported XXXX XXXX arrears to credit bureaus and ordered the records expunged. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : The court found that the XXXX XXXX agency violated the paying parents due process rights by reporting arrears without proper notice. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : The court reversed a decision to report XXXX XXXX arrears due to a lack of evidence and improper procedures. 

I have solid evidence that the XXXX XXXX account information you are reporting is false and was provided without proper verification or notice. I have never provided my consent for this account to be reported, which is an additional violation of my rights. 

As a result of your continued failure to comply with federal law, I have suffered significant harm, including financial damages and emotional distress. Therefore, I am demanding : 1 Immediate removal of the inaccurate XXXX XXXX  account from my credit report. 
2 Payment of {$1000.00} in statutory damages per bureau for failing to comply with the FCRA, payable to me at the address listed above. 

If you fail to comply with this demand, I will have no choice but to initiate litigation against all three credit bureaus for willful violations of the FCRA and associated damages. In court, I will seek the maximum allowable damages, including statutory damages, punitive damages, and attorney fees. 

This is your final notice. I strongly urge you to take this matter seriously and fulfill your legal obligations. Contact me via email only. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact via email only XXXX All rights reserved

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