Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX Subject : Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally notify you of continued inaccuracies and discrepancies regarding the account [ Account Number : XXXX ] reported on my credit file. Despite prior disputes and reinvestigations, the following issues persist, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as other federal and state consumer protection laws.

Violations Identified : 1. Duplicate and Inconsistent Reporting : The account is reported with conflicting statuses, balances, and dates. The continued listing of a charged-off account with varying balances ( {$490.00} remaining balance, {$45000.00} written off ) is misleading and inaccurate.

2. Failure to Mark Account as Disputed : Despite my formal dispute dated [ Insert Date of Previous Dispute ], the account was not updated to reflect its disputed status as required under FCRA Section 611.

3. Incorrect Reporting Timeline : The account is scheduled to remain on record until XX/XX/XXXX. This exceeds the permissible seven-year reporting window if calculated from the first delinquency date. This misrepresentation negatively impacts my creditworthiness. 
XXXX. Payment History Discrepancies : Reporting charge-off status for months alongside ongoing balances without payments contradicts FCRAs requirement for accurate and complete reporting. 

Legal Basis for Complaint : Under the FCRA : Creditors and furnishers are required to ensure the maximum accuracy of information reported to consumer reporting agencies ( Section 607 ).

Consumers are entitled to dispute incomplete or inaccurate information, and the creditor/furnisher must reinvestigate and correct the errors ( Section 611 ).

My Demands : Immediate Correction : Update the reporting of this account to accurately reflect its true status, correcting all inconsistencies in balance, charge-off reporting, and payment history. 
Removal of Erroneous Information : Remove any incorrect data from my credit report, including improper balances and inaccurate reporting dates. 
Written Confirmation : Provide written confirmation within 15 days of receipt of this letter that the inaccuracies have been corrected or removed. 

Consequences of Non-Compliance : Should you fail to comply with the FCRA and resolve this matter immediately, I will have no choice but to escalate my complaints by filing formal disputes with the following agencies : The Consumer Financial Protection Bureau ( CFPB ) ; The Federal Trade Commission ( FTC ) ; and The [ Your State ] Attorney Generals Office. 

Additionally, I reserve the right to initiate a lawsuit against your organization for willful non-compliance, under FCRA Section 616, seeking damages, attorney fees, and any other remedies permitted by law.

This letter serves as formal notice of my intent to escalate this matter should you fail to act within 15 days. Please address this matter urgently and confirm your compliance by [ XX/XX/XXXX ; 15 days from today ]. 

Sincerely, 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