Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX, TX XXXX Subject : Third Attempt - Intent to Sue for Inaccurate and Unverified Reporting of MILITARY STAR Account Dear Experian, This is my third formal attempt to dispute inaccuracies and inconsistencies in my credit report regarding the MILITARY STAR account ( # XXXX ). Despite my previous disputes, Experian has failed to rectify these errors, which is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account. Failure to address this matter will result in legal action as outlined under applicable U.S. Code provisions.

Specific Inaccuracies Identified : 1. Conflicting Payment Status : The account is marked as both " Paid '' and " Collection/Chargeoff, '' which is contradictory and misleading. 
2. Erroneous Comments : The remarks state the account was " seriously past due '' and " assigned to attorney, collection agency, or credit grantors internal collection department, '' despite showing a {$0.00} balance and final payment made on XX/XX/XXXX. 
3. Inconsistent Reporting Across Bureaus : The discrepancies in how this account is reported further undermine its accuracy and validity. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The conflicting details on this account demonstrate a failure to meet this standard.

2. 15 U.S.C. 1681i ( a ) : Upon notification of a dispute, Experian is required to conduct a reasonable reinvestigation of the disputed information. The continued reporting of this inaccurate account shows a lack of compliance.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : When information is found to be inaccurate or unverifiable, the credit reporting agency is required to promptly delete or modify it.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishers of information are prohibited from providing inaccurate data to consumer reporting agencies.

5. 15 U.S.C. 1681n : Willful noncompliance with FCRA provisions can result in liability for actual damages, punitive damages, and attorney fees.

6. 15 U.S.C. 1681o : Negligent noncompliance with the FCRA is also subject to liability for actual damages and attorney fees.

Demand for Immediate Action : 1. Permanent Removal of the MILITARY STAR Account : Due to the extensive inaccuracies and inconsistencies outlined above, I demand that this account be immediately and permanently removed from my credit report.

2. Written Confirmation : Provide written confirmation of the removal or correction of this account within 30 days, as mandated by the FCRA.

3. Notification to Furnishers : Notify the furnisher of the information that this account has been deleted or corrected, as required by law.

Legal Remedies : If this matter is not resolved promptly, I will initiate the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA.

3. Seek actual damages, punitive damages, and attorney fees as allowed under the law.

Conclusion : This matter requires your immediate attention. Enclosed, please find supporting documentation, including a copy of my credit report with the disputed account highlighted. This is your final opportunity to resolve this issue before I proceed with legal remedies.

Thank you for your prompt attention to this matter.

Sincerely, [ Your Full Name ] CC : Consumer Financial Protection Bureau ( CFPB ) Enclosures : 1. Copy of Credit Report Highlighting Disputed Account 2. Copy of Previous Dispute Correspondence 3. Copy of Identification and Proof of Address

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