Consumer complaint received 2024-12-27 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: MN

Complaint narrative:
Since XXXX, I have been actively disputing inaccuracies on my credit report caused by the listed companies, which have incorrectly reported late payments and failed to verify their accuracy. Despite my efforts, including submitting disputes and requesting investigations, the issues persist, impacting my credit score and financial opportunities. Opportunities that would have set my family 's safety and stability. The most cruel part was the coldheartedness that matched my efforts to rectify these errors. Attached bellow are pictures of just some of the communications from this year alone XXXX which they each took nonchalantly 30 - 60 days just to respond without resolution. I have been frustrated, sad, mad, unhappy and frustrated again. 

I am writing to file a formal complaint regarding significant inaccuracies and mishandling of information on my credit report by the accounts listed below. These errors have resulted in severe damage to my credit score, financial well-being, and overall welfare. I seek restitution for the damages incurred, including the immediate correction of my credit score to XXXX points and compensation for my financial losses and emotional distress. 

Accounts Involved : XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX Violations of My Consumer Rights : Failure to Assure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The accounts listed above have failed to meet this obligation by reporting inaccurate and unverifiable late payments, adversely affecting my credit score. 

Failure to Address Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) When information is disputed by a consumer, the law mandates that the consumer reporting agency reinvestigate the matter. If the information can not be verified or is found inaccurate, it must be promptly corrected or deleted. The accounts in question have not adhered to this requirement, continuing to report erroneous data. 

Provision of Inaccurate Information to Consumer Reporting Agencies ( 15 U.S.C. 1681s- 2 ) Furnishers of information are prohibited from providing data they know or have reasonable cause to believe is inaccurate. The entities listed above have provided incorrect information to consumer reporting agencies, violating this provision. 
Failure to Provide Timely Notifications of Payments ( 15 U.S.C. 1637 ( b ) and 1666b ) Creditors are required to provide periodic statements for open-end credit accounts at least 14 days before the payment due date to avoid late fees. These accounts have not demonstrated compliance with this requirement, further compounding the inaccuracies on my credit report. 

Damages Incurred : Over {$3000.00} spent on credit repair efforts. 
Substantial and immeasurable damage to my welfare, financial opportunities, and prosperity. Which for being reasonable I will leave at {$50000.00}. 

Requested Remedies : Immediate Correction of My Credit Score : Raise my credit score to XXXX points to reflect an accurate representation of my creditworthiness. 
Compensation for Financial Losses : Reimburse me {$3000.00} for the expenses incurred in my attempts to rectify these errors. And {$50000.00} for damages. 
Assurance of Compliance : Provide evidence that the accounts in question have implemented measures to comply with federal laws governing accurate credit reporting. And have been corrected and/or deleted. 
Written Apology : Issue a formal apology for the distress and inconvenience caused by these violations. 
Supporting References : 15 U.S.C. 1681e ( b ) : Obligation to assure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) ( 5 ) : Treatment of inaccurate or unverifiable information.

15 U.S.C. 1681s-2 : Duty to refrain from furnishing inaccurate information.

15 U.S.C. 1637 ( b ) : Requirement for periodic statements.

15 U.S.C. 1666b : Timing of payments. 


Conclusion : The mishandling of my credit report has caused significant financial harm and emotional distress. I urge you to address this complaint promptly and take the necessary steps to rectify the errors, compensate for the damages, and ensure full compliance with the law.

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