Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
Subject : Formal Complaint and Notice of Imminent Legal Action Violations of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Other Federal Protections Dear Experian / Consumer Financial Protection Bureau : I am submitting this formal complaint concerning continued and willful violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other federal consumer protection laws in relation to the account listed below. Despite my repeated disputes and requests for verification and removalspecifically XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XXXXExperian has failed to correct this reporting, provide the required documentation, or comply with statutory procedures. 

Account in Question : * Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute resolved without valid evidence ; inconsistent reporting across bureaus Legal Violations : Fair Credit Reporting Act ( FCRA ) 1. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation of disputed information within 30 days.

2. 1681i ( a ) ( 6 ) ( B ) : Failure to notify me in writing of the results of the reinvestigation.

3. 1681i ( 7 ) : Failure to provide a description of the investigation process within 15 days.

4. 1681e ( b ) : Willful failure to ensure the maximum possible accuracy of information in consumer reports.

5. 1681s-2 ( b ) : Continued furnishing of inaccurate information after notice of dispute.

6. 609 ( a ) ( 1 ) ( A ) & ( 2 ) : Failure to disclose the full file and sources of information, as required upon request.

7. 616 & 617 : [ 15 U.S.C. 1681n and 1681o ] Civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and punitive damages.

Truth in Lending Act ( TILA ) 1. 15 U.S.C. 1637 ( b ) : Failure to disclose full and accurate account activity on periodic statements.

2. 15 U.S.C. 1666 ( b ) : Failure to correct billing errors promptly after notice.

3. 15 U.S.C. 1640 : Civil liability for violations, including statutory and actual damages.

Additional Consumer Protections Violated : * Title 15, Chapter 41, Subchapter III Credit Reporting Practices * Public Law 91-508, Title VI, 611 ( A ) - ( D ) : Misuse of reinsertion procedures and lack of validation.

* Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) : Reporting information known to be false or disputed without proper notice.

* Consumer Financial Protection Act of 2010, 12 U.S.C. 5531 ( c ) : Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ).

Legal Action Notice : Due to your continued noncompliance and failure to fulfill your statutory responsibilities, I am now preparing to file a formal lawsuit in civil court seeking : * Removal of this account from my credit report * Compensatory damages for credit denial and emotional distress * Punitive damages for willful violations * Legal fees and court costs This letter serves as your final opportunity to correct this unlawful reporting practice before legal action is initiated. Failure to comply will result in the filing of a federal complaint without further notice.

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