Consumer complaint received 2024-11-22 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: IN

Complaint narrative:
RE : Dispute of Inaccurate Credit Information Demand for Deletion and Notification of Intent to Sue Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report under the Fair Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s2 ( b ), 1681i, and 1681n. Despite more than three previous notifications and your assurances of correction after reinvestigation, the inaccuracies persist, which has significantly harmed my creditworthiness and is a violation of my consumer rights. 
Disputed Items : Account Status Discrepancy : XXXX : XXXX XXXX account reported as closed on XX/XX/XXXX. 
Experian : XXXX XXXX account reported as closed on XX/XX/XXXX. 
XXXX : XXXX XXXX account inaccurately marked as in good standing. 
Credit Limit Error : XXXX : XXXX XXXX account shows a credit limit of {$5600.00}. 
XXXX : XXXX XXXX account shows a credit limit of {$5600.00}. 
Experian : XXXX XXXX account shows a corrected credit limit of {$0.00}. 
Last Activity Date Inaccuracy : XXXX : XXXX XXXX account last activity date is XX/XX/XXXX. 
XXXX : XXXX XXXX account last activity date is inconsistent with other reports. 
Experian : XXXX XXXX account last activity date is XX/XX/XXXX. 
These discrepancies contravene the requirements of accuracy and completeness mandated by the FCRA. Given that these issues remain unresolved even after multiple nder FCRA 15 U.S. Code 1681i, you are required to conduct a reasonable reinvestigation of disputed information. The persistent inaccuracies suggest that this obligation has not been met. Additionally, under 15 U.S. Code 1681s2 ( b ), furnishers of information have a duty to correct and update information. Your failure to do so violates this statute. Should these inaccuracies remain unresolved, I will take legal action under 15 U.S. Code 1681n for willful non-compliance, seeking statutory damages and attorney fees.

I have enclosed copies of my credit reports highlighting these discrepancies, along with any relevant documentation to support my dispute. Please conduct a thorough review and provide me with a written statement confirming the immediate deletion of these errors.

Please provide a written response to this dispute letter at your earliest convenience. Thank you for your prompt attention to this matter. reinvestigations, I am now demanding the immediate deletion of the SYNCB/VE NMO account from my credit report due to the harm caused by these inaccuracies.

Under FCRA 15 U.S. Code 1681i, you are required to conduct a reasonable reinvestigation of disputed information. The persistent inaccuracies suggest that this obligation has not been met. Additionally, under 15 U.S. Code 1681s2 ( b ), furnishers of information have a duty to correct and update information. Your failure to do so violates this statute. Should these inaccuracies remain unresolved, I will take legal action under 15 U.S. Code 1681n for willful non-compliance, seeking statutory damages and attorney fees. 
I have enclosed copies of my credit reports highlighting these discrepancies, along with any relevant documentation to support my dispute. Please conduct a thorough review and provide me with a written statement confirming the immediate deletion of these errors. 
Please provide a written response to this dispute letter at your earliest convenience. Thank you for your prompt attention to this matter. 
Sincerely,

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