Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOTICE TO CURE FINAL DEMAND FOR COMPLIANCE This letter serves as a formal Notice to Cure under federal law, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), to both Experian Information Solutions , Inc. and XXXX XXXXXXXX XXXX XXXX. You are hereby notified that your continued reporting of the following accounts is inaccurate, unlawful, and exposes your organizations to significant legal liability : XXXX XXXX  XXXX Account ending in XXXX XXXX XXXX Accounts # XXXX and # XXXX Despite multiple disputes, attached identity theft affidavits, FTC Identity Theft Reports, contract rescission notices, and supporting documentation, both agencies have refused to delete these unverifiable accounts. This is a willful violation XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, Experian Information Solutions XXXX Inc., XXXX XXXX XXXX, XXXXXXXX XXXX, Defendants CIVIL COMPLAINT FCRA VIOLATIONS Plaintiff XXXX XXXX. XXXX brings this action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related statutes against Defendants XXXX, Experian, XXXX, and XXXX for willful and negligent violations of federal law arising from their reporting of inaccurate, incomplete, and unverifiable information. These violations have resulted in significant harm to the Plaintiffs credit standing, economic position, and emotional well-being. 



XXXX XXXX : XXXX XXXX. XXXX, a natural person residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 
Defendant XXXX : A consumer reporting agency doing business nationwide. 
Defendant Experian : A consumer reporting agency doing business nationwide. 
Defendant XXXX XXXX XXXX : A fintech company furnishing data to consumer reporting agencies. 
Defendant XXXX XXXX  : A financial institution furnishing data to consumer reporting agencies. 



JURISDICTION AND VENUE Jurisdiction is proper under 28 U.S.C. 1331 as this action arises under federal law, specifically the FCRA, 15 U.S.C. 1681 et seq. Venue is proper in this district pursuant to 28 U.S.C. 1391 because the events giving rise to this action occurred in this district, and Plaintiff resides here.

FACTUAL ALLEGATIONS 1. Plaintiff has submitted multiple disputes to Experian and XXXX regarding inaccurate information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX has falsely reported two loans ( # XXXX and # XXXX ) as charged off with inflated or inconsistent balances, in conflict with XXXX internal disclosures. One account reflects a charge-off of {$170.00} on a loan originally under {$130.00}, with no updated payment history or validation. XXXX and Experian continue to publish these false records. 
XXXX. XXXX XXXX  has reported : An inaccurate balance of {$10000.00} on a Visa account ending in XXXX ( confirmed via app screenshots ) ; Irregular late payment patterns ( e.g., 30, 60, 30, 30 days late ) that deviate from standard credit reporting norms ; Inconsistent highest balance data across Experian and XXXX  ; No written notice to Plaintiff of the furnishing of negative information, in violation of FCRA 1681s-2 ( a ) ( 7 ) ( A ) ( B ). 
XXXX. XXXX and Experian failed to : Conduct reasonable investigations under 1681i ( a ) ; Consider documented disputes and FTC identity theft reports ; Correct or remove previously rescinded, fraudulent, or unverified accounts. 
XXXX. The XXXX account, which is under dispute for billing errors, is reported by Experian without any balance, payment history, or verification, violating the standards of complete and accurate reporting. 
XXXX. Plaintiff has suffered real economic harm, including credit denials, interest rate increases, and limit reductions with XXXX XXXX and XXXX XXXX, as well as emotional and reputational distress. 



CAUSES OF ACTION Count I Violation of FCRA 1681e ( b ) Failure to assure maximum possible accuracy in consumer reports.

Count II Violation of FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed accounts.

Count III Violation of FCRA 1681s-2 ( a ) ( 7 ) Failure to provide required notice of negative information to consumer ( XXXX  ). 

Count IV Willful Noncompliance ( 1681n ) Defendants acted with willful disregard for their duties under the FCRA.

Count V Negligent Noncompliance ( 1681o ) Defendants negligently failed to comply with their responsibilities.

PRAYER FOR RELIEF Plaintiff respectfully requests that this Court : 1. Declare Defendants conduct unlawful under the FCRA ; 2. Order the immediate deletion or correction of all inaccurate tradelines ; 3. Award statutory damages for each willful violation ; 4. Award actual damages for credit harm, denials, and emotional distress ; 5. Award punitive damages as permitted by law ; 6. Award costs of litigation and reasonable attorneys fees ; 7. Grant any further relief deemed just and proper. 



Respectfully submitted, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

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