Consumer complaint received 2025-01-17 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: TN

Complaint narrative:
Experian has repeatedly violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct an inaccurately reported late payment on my credit report. My disputes regarding this error date back to XX/XX/XXXXXXXX XXXX XXXX  with my most recent dispute submitted on XX/XX/XXXX. Despite multiple attempts to have this issue resolved, Experian has failed to conduct a proper reinvestigation and has continued to report inaccurate information, causing significant financial and emotional harm. 


Account : XXXX XXXX XXXX XXXX - INACCURATE ACCOUNT NUMBER ; INACCURATE PAYMENT HISTORY XXXX - 30 Past due 30 days - NEVER LATE XXXX - 60 Past due 60 days - NEVER LATE XXXX XXXX XXXX XXXXXXXX INACCURATE ACCOUNT NUMBER ; INACCURATE PAYMENT HISTORY XXXX  30 Past due 30 days - NEVER LATE XXXX XXXX XXXX XXXX NEVER LATE ; INACCURATE ACCOUNT NUMBER ; INACCURATE PAYMENT HISTORY XXXX  - 30 Past due 30 days - NEVER LATE XXXX - 60 Past due 60 days- NEVER LATE XXXX XXXX XXXX Charge off - Current / Terms met XXXX XXXX XXXX Charge off - Current / Terms met Experian violated 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy before reporting the late payment and 15 U.S.C. 1681i ( a ) by neglecting to conduct a reasonable reinvestigation within the legally required timeframe. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), Experian was required to delete or correct the inaccurate information if it could not be verified, yet the erroneous late payment remains on my credit report. Further violations include 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that Experian notify the data furnisher of my dispute within five business dayssomething it failed to doand 15 U.S.C. 1681n & 1681o, which hold Experian liable for willful and negligent noncompliance, resulting in financial losses and emotional distress.

Due to these violations, I am entitled to statutory damages of up to {$7000.00} for multiple FCRA breaches, in addition to actual damages resulting from higher interest rates, potential loan denials, and the stress caused by Experians refusal to correct its reporting errors. Furthermore, Experians actions constitute unfair or deceptive business practices under the Tennessee Consumer Protection Act ( Tenn. Code Ann . 47-18-104 ), making it subject to additional penalties and damages. 

I demand the immediate deletion and correction of the inaccurate late payment, along with written confirmation of the correction. Additionally, I request compensation for damages caused by Experians noncompliance. If this matter is not resolved promptly, I will proceed with legal action in XXXX XXXX XXXX XXXX to seek the maximum statutory damages, actual damages, legal fees, and any other relief permitted under federal and Tennessee law.

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