Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX with SSN XXXX and DOB XX/XX/XXXX, being duly sworn, depose and state as follows : 1. I am providing this sworn affidavit regarding inaccuracies in my credit report maintained by Experian related to the charge-off account No. XXXX. 
XXXX. The information being reported by Experian and XXXX regarding this account is inaccurate and does not align with the data provided to me by XXXX XXXX, the original creditor of this account. 
DISPUTED INFORMATION XXXX. I contacted XXXX XXXX  to verify the accuracy of the information reported, and they provided details that contradict Experians records : - The charge-off date reported by Experian does not match the date provided by XXXX XXXX  XXXX 
- The charge-off amount reported by Experian is inconsistent with the amount reported by XXXX XXXX  XXXX 
- The date of first delinquency reported by Experian differs from what XXXX XXXX  has on file. 
XXXX. In addition, the handling of my previous disputes by Experian has been inadequate and raises concerns about whether the requirements of the Fair Credit Reporting Act ( FCRA ) have been met. 
LEGAL VIOLATIONS 5. XXXX and XXXX reporting of inaccurate information constitutes violations of Sections 611 and 623 of the FCRA, which mandate accurate and complete reporting of credit information and proper handling of disputes. 
XXXX. XXXX and XXXX failure to properly verify the accuracy of the disputed information has caused me the following damages : - Emotional Distress : Significant stress and anxiety caused by the presence of inaccurate information. 
- Financial Harm : Limited access to credit and financial opportunities due to the negative impact on my credit report. 
- Defamation : Damage to my financial reputation caused by the continued reporting of false information. 
DEMAND FOR ACTION XXXX. I demand that Experian and XXXX conduct a thorough investigation into this matter in compliance with the FCRA. Specifically : - Experian and XXXX must not rely solely on the findings of furnishers who fail to provide detailed, accurate, and complete results. 
- Experian and XXXX must provide me with the following documentation : a. A detailed explanation of the method used to verify the account information. 
b. All records, notes, and communications with XXXX XXXX  regarding this account. 
XXXX XXXX names and contact information of every individual involved in the verification process. 
XXXX. If Experian and XXXX can not substantiate the accuracy of this account, I demand its immediate deletion or correction as required by federal law. 
NOTICE OF FURTHER ACTION XXXX. In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX and XXXX I remind Experian and XXXX of its legal obligations under the FCRA. If this matter is not resolved immediately, I will pursue the following actions : - File complaints with the CFPB, FTC, and my state Attorney Generals office. 
- Initiate legal proceedings against Experian for violations of Sections 611, 623, and 616 of the FCRA, as well as seek damages for emotional distress, financial harm, and defamation.

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