Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Credit Report Information To Whom It May Concern : I recently received a copy of my credit reports from Experian and I noticed multiple late payments inaccurately posted on my report. Specifically, the following accounts have been reported with errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Your company is in clear violation of federal law. Under 15 USC 1681b - Permissible Purposes of Consumer Reports, THE LAW CLEARLY STATES : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I provide written instructions for this inaccurate information to be furnished on my credit report? 
Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a Consumer Credit Report, the law explicitly states : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : o ( A ) Subject to section 1681a ( d ) ( 3 ), any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Based on the above laws, I am demanding the following actions : 1. Immediate deletion of the reported late payments for XXXX XXXX ( Acct # XXXX ) and any other inaccurate items on my credit report. 
XXXX. A thorough investigation into these inaccuracies and a written explanation of your findings. 
XXXX. A free updated copy of my credit report once the changes have been made. 
Additionally, these inaccuracies, such as a late payment being reported for XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that I was never late for. To verify this, I visited the XXXX XXXX branch and was informed that the account and card could not be verified. I am requesting proof, including statements showing these payments were late. I demand these payments be removed to reflect on-time payments as they should or remove accounts totally. 
Failure to address this matter satisfactorily will leave me with no choice but to take legal action against Experian for the following : 1. Defamation of Character ( Per Se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collections Practices Act ( 15 USC 1692g ) 4. Willful Noncompliance with the Fair Credit Reporting Act ( 15 USC 1681 ) As outlined in 15 U.S.C. 1681n, I will also be seeking {$1000.00} per violation for willful noncompliance. 
To support my dispute, I have enclosed the following documents : A copy of my credit report with errors highlighted. 
I expect this matter to be resolved promptly, as required by law, within 30 days of receipt of this letter. Please notify me in writing once the inaccuracies have been corrected. 
Thank you for your immediate attention to this matter. 
Sincerely, 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