Consumer complaint received 2025-01-16 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: AZ

Complaint narrative:
NOTICE OF DISPUTE ( NOD ) To Whom It May Concern, Subject : Formal Notice Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Demand for Remedy Dear Experian, 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 ) 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 Your failure to conduct a proper investigation into disputed inaccuracies on my credit report, as required, 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 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 for impermissible purposes violates permissible purpose requirements. Improper data handling reflects systemic failures to respect consumer privacy. 
Case Law Reference : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court limited permissible purposes to those explicitly authorized under the FCRA. 

15 U.S.C. 1681e Your inadequate procedures to ensure compliance with the FCRAs accuracy and privacy requirements further violate consumer rights. The CFPB noted systemic failures to implement basic measures that prevent reinsertion of inaccurate data. 
Case Law Reference : In 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 constitutes fraud, punishable under the FCRA. CFPBs findings detail egregious mismanagement practices that harm consumers financial well-being. 

15 U.S.C. 1681n 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 Allegations and Harm The CFPBs investigation identified several practices by Experian that directly align with the issues I have experienced, including : Sham Investigations : Like those alleged against Experian, your company has conducted inadequate investigations into disputes. These sham processes fail to accurately address the core issues, instead relying on insufficient or unreliable information from furnishers. 
Failure to Correct Inaccuracies : Despite clear notification of disputed items, your company has reinserted or failed to remove erroneous information on my credit report. The CFPBs findings highlighted similar actions by Experian. 
Mismanagement of Consumer Disputes : Faulty dispute intake procedures and the failure to notify consumers about investigation outcomes mirror CFPB allegations. These deficiencies result in a lack of transparency and ongoing harm to consumers financial stability. 

Accounts in Dispute and Issues XXXX. XXXX XXXX  XXXX Account Number : XXXX Status : Charged-off. 
Details : {$1800.00} owed. Charge-off dates from XX/XX/XXXX to XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection Account. 
Details : {$290.00} owed. Original creditor : XXXX XXXX. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection Account. 
Details : {$1800.00} owed. Original creditor : XXXX XXXX. 
XXXX. XXXX XXXX  Account Number : XXXX Status : Open with delinquencies. 
Details : {$920.00} owed. Delinquencies from XX/XX/XXXX to XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX Account Number : XXXX Status : Open with delinquencies. 
Details : Past delinquencies resolved in XX/XX/XXXX. 

Requested Action Immediate Reinvestigation and Correction : Provide the method of verification for all disputed accounts. 
Investigate and correct all inaccuracies on my credit report. 
Written Confirmation : Provide written documentation of corrections made and ensure compliance with FCRA obligations. 

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 : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX 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