Consumer complaint received 2024-10-20 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: NY

Complaint narrative:
AFFIANT/BENEFICIARY- .Cartina-Jovanna : XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX SSN XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/year> DEFENDANT-EXPERIAN Information Services XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Notice of Violations of Title 15 USC 1681n, USC 1666b, 1681i, and 1681s for Non-Compliance and Negligence INACCURATE INFORMATION Dear Defendant EXPERIAN I am writing to formally notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically Title 15 USC 1681n, 1681i, and 1681s, which pertain to civil liability for willful noncompliance, procedures in case of disputed accuracy, and responsibilities of furnishers of information to consumer reporting agencies. I have identified discrepancies in the reporting of late payments on my account # XXXX with [ XXXX ]. Specifically, the late payments are reported for different months on my XXXX and Experian reports, which is inconsistent and incorrect. Additionally, this account has been deleted from my XXXX report. 
These inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), specifically USC 1681n ( civil liability for willful noncompliance ) and USC 1666b ( correction of billing errors ). I request that you investigate this matter and correct the inaccuracies in my credit report.

Enclosed are copies of my credit reports from XXXX XXXX Experian highlighting the discrepancies, as well as any supporting documentation. 
Please confirm receipt of this letter and inform me of the results of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter.

which constitutes a misrepresentation under USC 1681 ( i ) ( s ).

Specifically, I request the following actions : 1. Provide Documentation : Please provide documents showing where the payment for this account came from.

2. Correct Inaccuracies : Correct the inaccuracies related to this account immediately.

3. Delete the Account : Delete this account from my credit report as it has been removed from Experian and XXXX. 
XXXX. Prevent Future Violations : Ensure compliance with the FCRA to prevent future violations. 
According to Title 15 USC 1681n, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained, punitive damages, and the costs of the action together with reasonable attorneys fees. Additionally, under Title 15 USC 1681i, you are required to follow specific procedures in case of disputed accuracy, and under Title 15 USC 1681s, furnishers of information to consumer reporting agencies have specific responsibilities to ensure the accuracy and integrity of the information provided.

Failure to address these issues will result in legal action to enforce my rights under the law. This misrepresentation is clearly fraudulent and appears to be maintained for profit. 
Please confirm receipt of this letter and provide a written response within 30 days, detailing the steps taken to correct the inaccuracies and prevent future violations. 
Thank you for your prompt attention to this matter. 
Sincerely, .Cartina-Jovanna XXXX XXXX XXXX Living Woman UCC1-308 WITHOUT PREJUDICE BENEFICARY OF acct # XXXX XXXX XXXX NOT THE TRUSTEE THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. FOR TREBLE DAMAGES BY ME Sending it via certified mail with a return receipt requested can help ensure that XXXX receives it and you have proof of delivery.

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