Consumer complaint received 2025-01-26 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MN XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX TX XXXX XXXX Subject : Formal Dispute Regarding Civil Liability for Negligence and Non-Compliance with XXXX Civil Liability under 15 U.S. Code ( 1681 ). O Dear Sir or Madam : I am writing to formally dispute inaccuracies found in my credit report, which I believe stem from your companys negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o Background and Basis of the Dispute On XX/XX/year>, I learned of inaccurate information and accounts on my credit report. After reviewing the details, it is evident that your company failed to fulfill its obligations as mandated under the FCRA. The negligence includes, but is not limited to : 1. The only name that should be on my report is XXXX XXXX XXXX. The only address on my account should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, MN XXXX, and the only phone number on my report is XXXX ; anything else reporting is inaccurate. 
XXXX. I also see accounts that have been charged off, repossessions, late payments, and inquiries unfamiliar to me. Consumer Credit Laws forbid such actions of late payments 15 us code 1666.b, Charge offs 15 us code 6802, collections 15 us code 1692.g, inquiries 15 us code 1681.b. I will Include a copy of my credit report so the necessary corrections can be made.

This failure has affected me in terms of denial of credit, emotional distress, financial loss, etc., which could have been avoided had your company adhered to the FCRAs requirements.

Legal Rights under U.S. Code 1681o Under U.S. Code 1681o, a company found negligent in complying with FCRA requirements is liable for : XXXX. Actual damages sustained as a result of the failure. 
2. Legal costs and reasonable attorneys fees incurred in pursuing this matter.

Requested Actions To resolve this issue promptly, I request that you : 1. Conduct a thorough investigation into the matter and provide a detailed response explaining your findings and corrective actions within 7 days of receipt of this letter.

2. Correct the identified issues and ensure compliance with FCRA standards.

3. Compensate me for the damage caused by your negligence 4. Cover any reasonable attorneys fees or other costs in addressing this matter.

Enclosed with this letter are copies of the following documents to support my claims : Credit reports, previous dispute letters, denial letters, etc. 
Next Steps Suppose I do not receive an adequate response within 7 days. In that case, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages as allowed under the FCRA. 
I hope this matter can be resolved amicably and promptly. Please direct your response to the contact information listed above. 
Sincerely, XXXX XXXX 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