Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Formal Notice Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Demand for Remedy Dear Experian Dispute Team, I am writing to formally notify you of your companys multiple violations of the Fair Credit Reporting Act ( FCRA ), as codified under Title 15 of the United States Code, and to demand immediate redress for the harm caused by these violations. This letter outlines the specific statutes you have violated, provides supporting case law, incorporates findings from the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, and details the steps I will take to protect my consumer rights.

Violations of the FCRA 15 U.S.C. 1681 ( a ) ( 1 ) and 1681 ( a ) ( 4 ) : Failure to Maintain Accurate Credit Reporting Your failure to maintain accurate credit reporting as required by law compromises the public interest and subjects consumers like myself to economic harm. Inaccurate reporting threatens access to credit, employment, and housing. 
Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of ensuring the accuracy of consumer reports to prevent harm to consumers. 
15 U.S.C. 1681i : Failure to Properly Investigate Disputed Inaccuracies Your failure to conduct a proper investigation into disputed inaccuracies on my credit report directly violates this section. The CFPB recently highlighted such violations as sham investigations that fail to properly address disputes and convey accurate information to data furnishers. 
Case Law Reference : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that consumer reporting agencies must conduct reasonable investigations into disputes. 
15 U.S.C. 1681s-2 : Furnishers Failure to Update or Correct Inaccurate Information Data furnishers failure to update or correct inaccurate information after being notified of the dispute constitutes noncompliance. This negligence violates federal mandates to ensure corrected data. 
Case Law Reference : In XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held furnishers liable for failing to correct inaccurate information after notification. 
15 U.S.C. 1681b : Unauthorized Access or Use of My Credit Report Improper data handling reflects systemic failures to respect consumer privacy. 
Case Law Reference : In XXXX XXXX XXXX Creditors Ass'n, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court limited permissible purposes to those explicitly authorized under the FCRA. 
15 U.S.C. 1681e : Failure to Ensure Compliance with Accuracy and Privacy Requirements Your inadequate procedures to ensure compliance with the FCRAs accuracy and privacy requirements further violate consumer rights. 
Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court underscored the necessity of reasonable procedures to ensure accuracy. 
15 U.S.C. 1681q : Willful Provision of False Information Willful provision of false information constitutes fraud, punishable under the FCRA.

15 U.S.C. 1681n : Statutory Damages for Willful Violations For each violation, I am entitled to {$1000.00} in statutory damages. 
Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the Supreme Court highlighted the availability of statutory damages for willful violations. 
Summary of Findings and Discrepancies Upon careful review of the accounts reported by Experian, XXXX, and XXXX, I have identified several discrepancies that demand immediate rectification. Below are the specific accounts with details : XXXX XXXX XXXX XXXX Experian : Charged-off balance is {$5900.00}, first delinquency in XX/XX/XXXX, last payment on XX/XX/XXXX. 
XXXX : Charged-off balance is {$6600.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
XXXX : Charged-off balance is {$5900.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
Discrepancies : Charged-off balance varies between Experian/TransUnion ( {$5900.00} ) and XXXX ( {$6600.00} XXXX. 
First delinquency date differs ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : Past due {$130.00}, first delinquency in XX/XX/XXXX, last payment unknown. 
XXXX : Past due {$130.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
XXXX : Past due {$290.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
Discrepancies : Past due amount differs ( {$130.00} vs. {$290.00} ). 
First delinquency and last payment dates do not align. 
XXXX XXXX XXXX XXXX Experian : Charged-off balance is {$25000.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
XXXX : Charged-off balance is {$25000.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
XXXX : Charged-off balance is {$25000.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
Discrepancies : Charged-off balance varies slightly ( {$25000.00} vs. {$25000.00} ). 
Last payment date is inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX ). 
XXXX XXXX. 
Experian : Charged-off balance is {$18000.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
XXXX : Charged-off balance is {$20000.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
XXXX : Charged-off balance is {$18000.00}, first delinquency in XX/XX/XXXX, last payment in XX/XX/XXXX. 
Discrepancies : Charged-off balance varies between XXXX ( {$20000.00} ) and others ( {$18000.00} ). 
Last payment date differs ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Remedies Sought To resolve these issues without escalation, I demand the following : Immediate Payment of {$6000.00} : This amount reflects the financial and emotional harm caused by your actions, including damage to my creditworthiness and associated economic opportunities. 
Correction of All Errors : Ensure the permanent removal of disputed inaccuracies from my credit report. 
Confirmation of Compliance : Provide written documentation confirming compliance with FCRA obligations and detailing corrective actions taken. 
Arbitration Notice In addition to pursuing legal remedies for these violations, I intend to bring this matter to arbitration under the XXXX XXXX XXXX XXXX XXXX ) rules. Per the XXXX Consumer Arbitration Fee Schedule, the following costs will apply : Filing Fee : {$220.00} Case Management Fee : {$1400.00} ( for a single arbitrator ) Hearing Fee : {$500.00} Arbitrator Compensation : {$2500.00} per day for in-person, telephonic, or virtual hearings. 
Legal and Financial Implications Failure to address this matter within 30 days will leave me no choice but to escalate this case. Such actions may include arbitration or legal proceedings, during which I will seek additional damages and penalties as outlined under the FCRA, including statutory damages of {$1000.00} per violation. 
Thank you for your prompt attention to this matter. Please direct all correspondence to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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