Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligence Violation of 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information contained in my credit report, which has been negligently reported and/or verified in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil Liability for Negligence ). 

Disputed Information Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Inaccuracy : this account was written off/charged off Disputed Information Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : this accout is charged off/ written off Disputed Information : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Inaccuracy : this account is charged off/written off Disputed Information : Account Name : XXXX  XXXX Account Number : XXXX Inaccuracy : this account is charged off written off Disputed Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : this account was charged off/ written off Disputed Information : Account Name : XXXX XXXX  Account Number : XXXX Inaccuracy : this account was charged off/ written off Despite my previous dispute ( s ) regarding this matter, you have failed to conduct a reasonable investigation as required under 15 U.S. Code 1681i and have continued to report inaccurate information. This negligence has caused financial harm, including but not limited to : Denial of credit and financial opportunities Damage to my credit score and reputation Emotional distress and inconvenience Legal Violations Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained as a result of the failure, as well as the costs of litigation and attorneys fees. Your failure to correct these errors, despite clear evidence, constitutes negligent non-compliance with federal law. Demand for Resolution To resolve this matter, I demand the following : Immediate removal/correction of the disputed item ( s ) from my credit file. Written confirmation of the corrections made. A detailed explanation of your investigation process and the evidence used to verify the disputed item. If this matter is not resolved within 30 days as required under 15 U.S. Code 1681i, I will be forced to escalate this issue by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting this matter to the Federal Trade Commission ( FTC ) Seeking legal remedies in civil court, including claims for damages, legal fees, and other relief as provided under the FCRA. I expect your prompt attention to this matter and look forward to your written response confirming the resolution of this dispute. Please send all correspondence to my address listed above.

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