Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian for willfully reporting inaccurate and misleading information on my credit report regarding a XXXX XXXX account. Despite clear evidence demonstrating that the account was closed, paid in full, and the debt discharged, Experian continues to report this account as delinquent with a balance of {$880.00}. This conduct is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n, which establishes liability for willful noncompliance. 

Background : XXXX XXXX Account Details : Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$880.00} Status on Experian Credit Report : Closed, 4 potentially negative months reported ( XXXX XXXX ). 
Cancellation of Debt Documentation ( Form 1099-C ) : XXXX XXXX XXXXXXXX issued a Form 1099-C on XX/XX/XXXX, clearly indicating that the {$880.00} debt was discharged. 
This documentation confirms that the debt was legally resolved and should no longer be reported as outstanding or delinquent. 
Experians Actions : Despite my submission of the Form 1099-C and a formal dispute regarding the inaccuracy, Experian continues to report the XXXX account with an unpaid balance and delinquencies. 
XXXX failure to conduct a reasonable investigation into this dispute further demonstrates willful negligence and disregard for its legal obligations under the FCRA. 

Legal Violations : 1. Violation of 15 U.S.C. 1681e ( b ) : Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. The continued reporting of the XXXX account with a delinquent status and balance violates this statutory duty. 
2. Violation of 15 U.S.C. 1681i ( a ) : Experian is obligated to conduct a reasonable investigation of disputed information. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging widespread failures in their dispute resolution processes and sham investigations of credit report errors ( CFPB XXXX Experian, XX/XX/XXXX ). My experience aligns with this pattern of misconduct. 
3. Violation of 15 U.S.C. 1681n : Experians willful noncompliance with the FCRA entitles me to statutory damages of {$1000.00}, as well as potential punitive damages for the harm caused by their inaccurate reporting. 

Harm Caused : The inaccurate reporting of this account has significantly harmed my creditworthiness, leading to : Potential denials of financial products. 
Increased stress and reputational damage. 
Time and resources spent disputing these inaccuracies. 

Supporting Documentation : I have attached the following to substantiate my claims : 1. Form 1099-C : Proof of debt cancellation and discharge.

2. Experian Credit Report : Evidence of inaccurate reporting.

Experians willful disregard for the accuracy of its reporting processes is unacceptable and directly violates the FCRA. I respectfully request that the CFPB hold Experian accountable for its unlawful conduct and ensure the immediate correction of my credit report. 

Thank you for your time and attention to this matter. 
Sincerely, 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