Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Notice of Dispute Violation of 15 U.S. Code 1681n I am writing to notify you of my dispute regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n, which governs willful noncompliance. I know Experian is not really conducting investigations because im sending in proof thats these accounts are inaccurate and not mine and i also so know they are being sued for violating consumer rights I have looked over my my Credit report several times and I have identified, inaccurate information, unauthorized access, failure to correct inaccuracies, or other noncompliance. This violation of the FCRA has caused me financial damage and emotional distress Details of the Violation : XXXX : XXXX : Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies and Date last active is reporting different XXXX XXXX XXXX : Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different, and harrassing me after i told them not contact me XXXX XXXX : XXXX Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different XXXX XXXX XXXX XXXX Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different Under 15 U.S. Code 1681n, willful violations of the FCRA entitle an affected consumer to statutory damages, actual damages, punitive damages, and reasonable attorneys fees and costs. I expect this matter to be addressed immediately to avoid further legal escalation. 

Requested Resolution : DELETE & BLOCK Please respond to this notice in writing within [ 30 days ] as required by the FCRA, confirming your receipt of this letter and outlining the actions you intend to take to resolve this matter. 

If I do not receive a satisfactory resolution within the stipulated time frame, I will have no choice but to seek further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

I look forward to your prompt 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