Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FAILURE TO CORRECT INACCURATE REPORTING IN VIOLATION OF 15 U.S..C. 1681c ( f ) I am writing to formally notify you of your continued noncompliance and failure to correct inaccurate and misleading information on my credit report, despite clear and documented evidence having been submitted.

One of the credit bureausEquifaxhas already acknowledged the accuracy of my claim ( see attached screenshot ) and has taken appropriate corrective action after reviewing the same documentation, which includes screenshots proving that the payment in question was made on time. 

However, both TransUnion and Experian have failed to take appropriate and lawful action under the Fair Credit Reporting Act ( FCRA ), specifically violating 15 U.S.C. 1681c ( f ), which mandates the accuracy and integrity of consumer report information. 
Despite providing extensive and irrefutable documentation over the past six years, the following inaccurate information has been improperly reinserted into my credit report without compliance with 15 U.S.C. 1681c ( f ) : Details of the Inaccurate Information Creditor Name : XXXXXXXX XXXX XXXX Account Description of Inaccuracy : REPEAT REQUESTS FOR REMOVAL The creditor inaccurate reporting, showing the account is DELINQUENT- when in fact the payment was made ON TIME as seen in these screenshots from XXXX. Showing account derogatory, in blatant disregard for the FCRA, which mandates Certification of Accuracy Before Reinsertion : A data furnisher must verify the accuracy of any information before it is re-reported. Notification to the Consumer : The credit bureau must notify the consumer of reinserted information within five business days. You have failed to comply with these provisions. Immediate Action Demanded I demand the following actions be taken within 10 calendar days of receipt of this letter : Permanently Remove the Inaccurate Information : Immediately remove the inaccurate account ( s ) from my credit report and ensure no further reinsertion occurs without strict compliance with the FCRA. Provide Written Confirmation : Deliver a written statement confirming the permanent removal of the inaccurate information and your commitment to full compliance moving forward. Legal Ramifications of Non-Compliance Failure to address this matter within the specified timeframe will leave me no choice but to escalate this issue through Formal Complaints : Filing with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against your organization for repeated violations of federal law. Legal Action : Pursuing a lawsuit under 15 U.S.C. 1681n for willful non-compliance, which may result in penalties including : Actual damages Statutory damages of up to {$1000.00} per violation Attorneys fees Punitive damages Your organizations disregard for federal law undermines consumer trust and perpetuates unnecessary financial and emotional harm. I am fully prepared to exercise all available legal remedies to resolve this matter. This is your final opportunity to resolve this issue amicably and in compliance with the law. I expect written confirmation of corrective action by XX/XX/XXXX

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