Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Demand for Immediate Correction of Erroneous Account Balance ( XXXX  XXXX XXXX XXXX XXXX XXXX ) Violations of FCRA and California Law To Whom It May Concern : I am writing to formally demand the immediate correction of a material error on my credit report in violation of the **Fair Credit Reporting Act ( 15 U.S.C . 1681 ) ** and **California Consumer Privacy Act ( CCPA, Civ . Code 1798.1001798.199 ) **. Your failure to resolve this issue promptly has caused significant financial harm, and I will pursue all legal remedies available under state and federal law if this is not rectified within **10 business days**. 

1. Factual Background - XX/XX/year> : I disputed the balance of my XXXX  XXXX XXXX XXXX auto loan ( Account # XXXX  ) through your online portal, providing a **payoff letter from XXXX  XXXX XXXX  XXXX confirming the correct balance of ** $ XXXX ( attached ). 
- Experians Error : Instead of correcting the balance, you inaccurately reported $ XXXXa blatant typographical error that misrepresents my creditworthiness by over 10,000 %. 
- Refusal to Correct : Despite clear documentary evidence, your representatives insist I restart a 30-day dispute process. This is unacceptable given the obvious nature of the error and your legal obligation to conduct a reasonable investigation under the FCRA. 

2. Legal Violations Your actions violate the following laws : - FCRA 1681e ( b ) : Requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. Reporting $ XXXX instead of {$16000.00} is gross negligence. 
- FCRA 1681i : Mandates prompt correction of errors after disputes. Rejecting a valid dispute with documentary proof constitutes a sham investigation. 
- California Consumer Privacy Act ( CCPA ) : Prohibits businesses from misrepresenting financial data that harms consumers. 
- California Consumer Legal Remedies Act ( CLRA, Civ. Code 1750 ) : Unfair reporting practices that cause financial injury are unlawful. 
- California Unfair Competition Law ( UCL, Bus. & Prof. Code 17200 ) : Your refusal to correct a clear typo constitutes unlawful, unfair, or fraudulent conduct. 

3. Damages Incurred Your error has directly harmed me : - Financial Injury : I was denied financing for a commercial vehicle due to your inflated $ XXXX debt reporting. The trucks price increased from {$38000.00} to {$48000.00} due to economic shifts, costing me {$10000.00} in additional expenses. 
- Emotional Distress : This error implies I owe over $ XXXX, damaging my professional reputation and causing severe stress. 
- Credit Harm : The false balance grossly distorts my debt-to-income ratio, jeopardizing future credit access. 

4. Immediate Demands By [ 10 days from date ], you must : 1. Correct the XXXX XXXX XXXX  XXXX balance to {$16000.00} and issue a revised credit report. 
2. Remove all references to a {>= $1,000,000} debt and notify all third parties who received the erroneous report in the past 6 months. 
3. Provide written confirmation of these actions and a detailed explanation of how the error occurred. 

5. Next Steps If you fail to comply : - I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), California Attorney General, and Federal Trade Commission ( FTC ). 
- I will pursue litigation under the FCRA for **actual damages, statutory damages ( {$1000.00} per willful violation ) **, and punitive damages, as well as attorneys fees under Californias **Song-Beverly Credit Reporting Act ( Civ. Code 1785.25 ) **. 
- I will seek injunctive relief to compel correction and explore class-action claims given Experians systemic disregard for accuracy. 

This is not a matter for further investigation. The error is indisputable, and your delay tactics only compound the harm. I expect written confirmation of correction by the deadline above.

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