Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Third Attempt - Aggressive Dispute for Removal of Inaccurate Accounts Under FCRA Dear Experian, This is my third attempt to dispute the inaccurate, erroneous, and unverifiable reporting of the accounts listed below on my credit file. Your failure to act in compliance with the Fair Credit Reporting Act ( FCRA ) demonstrates blatant disregard for your legal obligations. I demand the immediate removal of these accounts from my credit report. Should you fail to resolve this matter promptly, I will pursue all legal remedies available under applicable U.S. Code provisions. 
Accounts in Dispute : 1. XXXX XXXXXXXX ( # XXXX ) * Credit Limit Discrepancy : High credit reported inconsistently across bureaus ( {$1600.00} vs. {$1500.00} ). 
* Payment History Errors : Delinquencies reported incorrectly across periods with no corroborating evidence. 
2. XXXX ( # XXXX ) * Credit Limit Discrepancy : Reported limit of {$2000.00} on XXXX vs. {$0.00} on Experian. 
* Payment Status Errors : Reporting of late payments inconsistent across bureaus. 
3. XXXX ( # XXXX ) * Inconsistent Status : Marked as " Paid '' on XXXX but " XXXX '' on Experian. 
* Date Discrepancy : Last activity date varies significantly. 
4. XXXXXXXX XXXX ( # XXXX ) * Payment Status Errors : Listed as " Paid '' but simultaneously " Collection/Chargeoff. '' 5. XXXX ( # XXXX ) * Chargeoff Misreporting : Account listed as " Collection/Chargeoff '' with unresolved dispute comments. 
Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information reported. 
2. 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation upon dispute notification. 
3. 15 U.S.C. 1681i ( a ) ( 5 ) : Obligation to delete or modify unverifiable information. 
4. 15 U.S.C. 1681s-2 ( a ) : Prohibition against furnishers providing inaccurate information. 
5. 15 U.S.C. 1681n : Willful noncompliance resulting in liability for damages, including punitive damages. 
6. 15 U.S.C. 1681o : Negligent noncompliance with provisions of the FCRA. 
Demands : 1. Immediate Deletion of All Disputed Accounts : These accounts must be permanently removed from my credit file. 
2. Written Confirmation : Provide confirmation of the removal or corrections of these accounts within 30 days, as required by law. 
3. Notification to Furnishers : Inform the furnishers of these corrections or deletions as required under FCRA guidelines. 
Legal Remedies for Noncompliance : Should you fail to address this matter within the statutory timeframe, I will pursue the following : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
2. Initiating legal proceedings under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance. 
3. Seeking actual damages, punitive damages, and attorneys fees as permitted under the law. 
This is your final opportunity to resolve this matter before I escalate further. Enclosed are supporting documents, including a copy of my credit report highlighting the disputed accounts. 
Thank you for your prompt attention. 

Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB )

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