Consumer complaint received 2024-08-07 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Date : XX/XX/year> To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : Dispute of Credit Report Inaccuracies and Request for Compensation Reference No. : XXXX Dear Sir/Madam, I am writing to formally dispute inaccuracies in my credit report and to request compensation for the damages caused by these errors. According to the Fair Credit Reporting Act ( FCRA ) and the New York State General Business Law ( GBL ) 380, I have the right to ensure that the information reported on my credit report is accurate and up-to-date.

Discrepancies Identified XXXXXXXX XXXX XXXX XXXX XXXX  Account Status Discrepancy : Experian : Account reported as current. 
XXXX XXXX Account shows multiple 30-day late payments in XXXX and XX/XX/year>. 
Impact : This discrepancy affects my creditworthiness and has likely resulted in higher interest rates and denial of credit opportunities. 

XXXX XXXX XXXX  Balance Discrepancy : Experian : Reported balance of {$220.00}. 
XXXX : Reported balance of {$270.00}. 
Impact : This inconsistency negatively impacts my credit utilization ratio and overall credit score, affecting my financial standing. 

XXXX XXXX XXXX XXXX XXXX Missing Payment History : XXXX : No detailed payment history provided. 
Impact : Incomplete payment history results in an inaccurate assessment of my creditworthiness. 

XXXX XXXX XXXX XXXX  Charge-Off Discrepancy : Experian : Different charge-off date reported compared to XXXX. 
Impact : This affects the duration that negative information remains on my credit report, prolonging the impact on my credit score.

Request for Compensation Based on similar cases and the financial and emotional impact of these inaccuracies, I am seeking the following compensation : 1. Monetary Compensation for Financial Losses : {$12000.00}. This amount includes costs incurred due to higher interest rates, denial of credit opportunities, and other financial setbacks resulting from the erroneous credit reporting. 
2. Compensation for Emotional Distress and Inconvenience : {$7000.00}. This amount accounts for the stress, anxiety, and time spent rectifying the issue.

3. Punitive Damages : {$13000.00}. Given the negligent handling and significant delay in correcting the credit reporting error, punitive damages are justified to prevent future occurrences.

Total Compensation Requested : {$32000.00} Actions Requested 1. Correction of Inaccuracies : Promptly investigate and correct the inaccuracies on my credit report.

2. Compensation : Provide compensation for the financial losses, emotional distress, and punitive damages as detailed above.

3. Documentation : Provide documentation supporting the corrections made and confirmation that these changes have been communicated to the credit reporting agencies ( XXXX, Experian, and XXXX ). 

I look forward to your prompt response and resolution to this matter. Please contact me at XXXX or via email at XXXX to discuss the details of the compensation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Phone : XXXX Email : XXXX 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