Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Complaint Against : Experian Information Solutions , Inc .

Subject : Formal Dispute and Legal Demand Regarding Capital One Accounts Violations of FCRA 1681s-2 and FTC Act Opportunity to Cure To Whom It May Concern : This correspondence serves as a formal complaint and pre-litigation legal demand regarding XXXX  XXXX accounts being unlawfully and inaccurately reported on my Experian credit report. I have attached my FTC Report documenting XXXX XXXX  deceptive and unfair reporting practices. This letter highlights serious violations of the Fair Credit Reporting Act ( FCRA ) and the FTC Act, and I hereby provide Experian and XXXX XXXX with a final opportunity to cure these violations prior to initiating formal legal proceedings. 

I. Nature of the Dispute XXXX  XXXX Reporting Discrepancies Experian is currently reporting XXXX  XXXX accounts with derogatory information and late payment notations that : Are mathematically impossible ( e.g., showing a 90-day delinquency without ever being marked 30 or 60 days late ), Appear with no supporting documentation, Do not appear on my XXXX credit report, which currently shows no delinquencies for the same accounts. 

These inconsistencies, verified by comparing my reports, show that XXXX XXXX has furnished deceptive, incomplete, or inaccurate information to Experian, which Experian continues to publish despite numerous disputes and correction requests.

II. FCRA 1681s-2 ( a ) ( 7 ) Failure to Provide Notice of Negative Reporting Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), a data furnisher ( in this case, XXXX XXXX ) is required to provide the consumer with a notice of negative information being placed on their credit report within 30 days of the initial furnishing of such information. 

I was never sent any notice from XXXX XXXX informing me that they were going to report me as delinquent. As such, their actions constitute a direct violation of federal law. 

As the consumer, I have a legal right to : XXXX. Timely notice of negative information before it appears on my credit report ; 2. An opportunity to challenge and correct inaccurate information before harm is done ; 3. Remedies under FCRA 1681n and 1681o for willful or negligent noncompliance.

III. Experians Violation of FCRA 1681e ( b ) and 1681i ( a ) Experian has a duty to ensure the maximum possible accuracy of information furnished to third parties. Despite my submission of disputes and supporting documentation, Experian has failed to : Conduct a reasonable reinvestigation ( as required by 1681i ), Provide the method of verification or documentation used to verify these derogatory entries, Delete or correct inaccurate tradelines when evidence clearly shows false reporting. 

This is particularly egregious because XXXX, another nationwide CRA, shows no delinquencies on the same XXXX XXXX accounts, proving the data furnished to Experian is either incorrect or being selectively reported.

IV. FTC Act Deceptive and Unfair Trade Practices Capital Ones reporting of false, inconsistent dataespecially without providing me proper noticeconstitutes a deceptive and unfair business practice under the Federal Trade Commission Act, 15 U.S.C. 45 ( a ).

V. Opportunity to Cure and Resolution Demands This letter serves as a final opportunity to cure these violations before formal legal action is initiated.

I demand the following corrective action within 10 business days : 1. Immediate deletion of all XXXX XXXX late payments and derogatory notations from my Experian credit report ; XXXX. If XXXX XXXX refuses to delete the late payments, then Experian must permanently remove the XXXX XXXX account ( XXXX ) to prevent further credit harm ; 3. Full disclosure of any and all documents or data used to verify these entries, including timestamps, names of verifying agents, and audit trail of reinvestigation ; 4. Written confirmation that Experian and XXXX XXXX will not reinsert the accounts without complying with FCRA 1681i ( a ) ( 5 ) ( B ).

VI. Notice of Intent to Sue If this dispute is not resolved to my satisfaction, I will file a federal lawsuit for violations of : FCRA 1681s-2 ( a ) ( 7 ) ( failure to provide notice ), FCRA 1681e ( b ) ( failure to ensure accuracy ), FCRA 1681i ( failure to conduct a proper reinvestigation ), FTC Act 45 ( a ) ( unfair and deceptive practices ).

I will seek : Actual damages for emotional distress and credit denials, Statutory damages up to {$1000.00} per violation, Punitive damages for willful noncompliance, Attorneys fees and legal costs under 15 U.S.C. 1681n. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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