Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion is XXXX XXXX XXXX XXXX, PA XXXX XXXX : Demand for Payment for FCRA Violations Dear Representative, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As a result of Equifax 's violations of the FCRA, I am seeking statutory damages. Equifax failed to verify the disputed item and maintain reasonable procedures to ensure the accuracy of consumer information.

Specifically, Equifax violated : 15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to assure maximum possible accuracy of consumer information. 
15 U.S.C. 1681i ( a ) by failing to conduct a reasonable investigation of a dispute.

Pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), I am entitled to statutory damages of {$1000.00} for Equifax 's willful noncompliance with the FCRA. Recent court decisions, including XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fed. XXXX. XXXX ( XXXX Cir. XXXX ), supports this claim. 
As demonstrated in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, Equifax 's failure to maintain reasonable procedures and verify disputed items constitutes willful noncompliance with the FCRA, entitling me to statutory damages of {$1000.00} pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) As a result of these violations, I demand payment of {$4000.00} in statutory damages XXXX XXXX Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's deletion of inaccurate information constitutes an admission of liability for failing to maintain reasonable procedures. 
XXXX v. Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's deletion of disputed items admits willful noncompliance with the FCRA. 
XXXX v. Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's failure to verify disputed information led to deletion and {$1000.00} statutory damages. 
XXXX v. Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's deletion of disputed items constitutes admission of FCRA violation. 
XXXX v. Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's deletion of inaccurate information admits failure to verify disputed information. 
I request that Equifax take immediate action to correct my credit report and provide payment within 7 days of receipt of this letter. 
Please find my account information below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX Tennessee XXXX Equifax Confirmation Number : # XXXX # XXXX If I do not receive payment within the specified timeframe, I will take further action to protect my rights under the FCRA. 
Sincerely, XXXX 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