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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Formal Notice : Inaccurate Payment Reporting for XXXX XXXX XXXX  Account and Unjust Credit Score Impact This letter serves as formal notice of your failure to accurately report my payments for my account with XXXX XXXX XXXX. This inaccurate reporting has unjustly led to a monthly credit score decrease of XXXX points despite my demonstrated compliance and timely payments. Your actions violate the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which mandates the accurate and fair reporting of consumer credit information. 

Account Information Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Description of Issue : INACCURATE CREDIT REPORTING SINCE XXXX. 
Violations of Federal Law Under the FCRA, credit reporting agencies and furnishers of credit information are legally obligated to ensure the accuracy and completeness of all information reported. Your actions violate the following provisions : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports.

15 U.S.C. 1681s-2 ( a ) : Furnishers of information must provide accurate information and promptly correct any errors when notified by the consumer or the credit reporting agency.

15 U.S.C. 1681i ( a ) : Upon notification of a dispute, consumer reporting agencies must conduct a reasonable investigation and correct or delete any information found to be inaccurate. 
Harm Caused by Your Actions Your failure to accurately report my payments and the corresponding unjust credit score decreases have caused financial harm, including but not limited to : Reduced creditworthiness in the eyes of lenders. 
Emotional and financial distress due to incorrect reporting. 
Demand for Immediate Corrective Action I demand that the following actions be taken within 10 calendar days of receipt of this letter : Immediate Correction : Update my credit report to reflect accurate and timely XXXX XXXX XXXX  account payment history. 
Written Confirmation : Confirm that my payment history has been corrected and is now accurately reflected in my credit report.

Credit Score Review and Adjustment : Conduct a thorough review of the unwarranted decreases in my credit score and make the necessary adjustments to restore my score to its accurate value. 
Preventive Measures : Outline your agency 's steps to prevent future inaccuracies. 
Legal Ramifications of Non-Compliance Failure to address this matter in a timely and satisfactory manner will leave me with no choice but to take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursue legal action under 15 U.S.C. 1681n for willful non-compliance, including actual damages, statutory damages, attorney fees, and punitive damages. 
Enclosures Please find attached : Payment records for the XXXX XXXX XXXX  account demonstrate timely payments. 
Recent credit reports show that inaccurate reporting and unjust scores have decreased.

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