Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Final Notice Failure to Remove Inaccurate XXXX XXXX Payment History in Violation of FCRA Dear Experian, Equifax, and TransUnion, I am writing to address your continued failure to remove or correct inaccurate and inconsistent late payment history related to my XXXX  XXXX account : XXXXXXXX XXXX XXXX XXXX XXXX Despite multiple formal disputes and a complaint to the Consumer Financial Protection Bureau ( CFPB ), the information in question remains on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information : Experian Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late These entries are inconsistent across bureaus and can not all be accurate. At least oneor moreof you are reporting false, unverifiable data, in direct violation of 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must maintain maximum possible accuracy of information.

Violation of FCRA 1681i Failure to Reinvestigate Within 30 Days Under 15 U.S.C. 1681i, consumer reporting agencies must reinvestigate disputed information and correct or delete any unverifiable data within 30 days. If the furnisher ( in this case, XXXX XXXX ) fails to provide adequate verification within that period, youthe credit bureausare legally obligated to remove the disputed item. 

XXXX XXXX did not provide verification within the 30-day window, and therefore the burden of removal falls on you. Yet, you have continued to report this harmful and unverified information. 
The Credit Bureaus Have Failed Me As a consumer, I relied on your agencies to follow the law, protect my rights, and ensure the accuracy of the data you report. Instead, your failure to act after XXXX XXXX did not verify the data has directly harmed me. Your inaction is negligent, unacceptable, and violates my federally protected rights under the FCRA. 

Damages and Ongoing Harm Because of your failure to remove this unverifiable data, my XXXX XXXX has dropped to XXXX, resulting in : {$5000.00} {$7000.00} in excessive loan interest {$800.00} {$1200.00} in elevated insurance premiums {$2000.00} {$3000.00} in denied financial opportunities {$1000.00} {$2000.00} in emotional distress and reputational damage Estimated Total Damages : {$9000.00} {$13000.00} I have given ample opportunity to resolve this matter. Now, I am preparing to file a small claims lawsuit in XXXX XXXX XXXX XXXX, seeking the maximum allowable amount of {$15000.00} for statutory and actual damages under the FCRA. 

Final Action Requested To avoid litigation, I demand that you take the following action within 15 days of receiving this letter : Immediately delete the inaccurate and unverifiable XXXX  XXXX payment history from my credit reports Provide written confirmation of deletion or correction Provide a detailed explanation of your findings, including the method and source of verification used Acknowledge your obligation under the FCRA to remove unverifiable data when the furnisher fails to respond within 30 days Failure to respond or comply will result in the immediate filing of a lawsuit. A copy of this letter will be submitted with my court documents.

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