Consumer complaint received 2025-07-28 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XX/XX/XXXX * * Subject : Formal Dispute of Inaccurate Information Notice of Potential FCRA Violations * * To Whom It May Concern, Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * *, I am disputing multiple inaccuracies on my credit report and demanding immediate correction. * * Each violation of the FCRA exposes your company to statutory damages of up to {$1000.00} per violation, plus actual damages, attorneys fees, and punitive damages in cases of willful noncompliance ( 15 U.S.C. 1681n ). * * # # # * * Legal Basis for {$1000.00} Per Violation * * The FCRA imposes strict liability on credit reporting agencies for failing to maintain reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). Courts have consistently ruled that consumers may recover * * statutory damages of {$100.00} to {$1000.00} per violation * * for willful or negligent noncompliance, even without proving actual harm ( * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) ). 

# # # * * Specific Errors & FCRA Violations * * 1. * * Incorrect Delinquency Reporting ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Accounts falsely marked as " past due '' or " charged off '' without evidence. 
- * * Violation * * : Failure to verify information under 1681i ( a ) ( 1 ) ( A ). 

XXXX. * * Unverified Charge-Off ( XXXX XXXX XXXX ) XXXX XXXX  - Reported as " charged off '' despite payment records showing activity. 
- * * Violation * * : Reporting unverified derogatory information ( 1681e ( b ) ). 

XXXX. * * Inconsistent Balance Reporting ( XXXX XXXX XXXX ) XXXX XXXX - Wild fluctuations in balance history without justification. 
- * * Violation * * : Failure to maintain reasonable accuracy ( XXXX ( b ) ). 

XXXX. * * Outdated Information ( XXXX XXXX XXXX XXXX ) XXXX XXXX - Alleged " settlement '' not corroborated by my records. 
- * * Violation * * : Reporting obsolete information ( 1681c ( a ) ). 

# # # * * Demands * * 1. * * Delete or correct all inaccuracies * * within 30 days ( 1681i ( a ) ( 1 ) ).

2. * * Provide written verification * * of corrections and sources of disputed data.

3. * * Notify all third parties * * who received the erroneous report in the past 6 months ( 1681i ( d ) ). 

* * Failure to comply will leave me no choice but to pursue legal remedies, including statutory damages of {$1000.00} per violation, plus attorneys fees. * * Sincerely, * * XXXX XXXX XXXX * * * * Enclosures * * : - Copy of drivers license - Proof of address - Relevant payment records -- - * * Key Legal References * * : - * * 15 U.S.C. 1681n * * : Statutory damages for willful noncompliance. 
- * * 15 U.S.C. 1681i * * : Duty to reinvestigate disputed items.

- * * 15 U.S.C. 1681e ( b ) * * : Accuracy obligations.

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