Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : FINAL NOTICE OF INTENT TO SUE VIOLATIONS OF FAIR CREDIT REPORTING ACT ( FCRA ) AND FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) To Whom It May Concern, This letter serves as my final warning before initiating legal action against Military Star, XXXX, Experian, and XXXX for multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). The following inaccuracies remain on my credit reports despite previous disputes, causing undue harm to my financial standing.

Identified Reporting Inaccuracies and Violations : Military Star Account Inaccuracies : Incorrect Payment Status Reporting ( Violation of 15 U.S.C. 1681e ( b ) ) Experian lists the payment status as Collection/Chargeoff, despite the account being Paid with a balance of {$0.00} as of XX/XX/XXXX. 

Reporting a charge-off after the account is settled is a false and misleading representation. 

Failure to Accurately Report Account History ( Violation of 15 U.S.C. 1681s-2 ( a ) ) The account is described as being " seriously past due and assigned to collections '' after full payment was made.

Creditors are required to accurately report account status ; failure to do so violates FCRA regulations.

Failure to Remove Negative Reporting After Settlement ( Violation of 15 U.S.C. 1681i ( a ) ) The account remains marked with negative comments, despite payment completion.

Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) establishes that furnishers must investigate and update disputed information. 

Failure to Conduct a Proper Investigation ( Violation of 15 U.S.C. 1681s-2 ( b ) ) Disputes have been ignored, and the incorrect data remains unchanged. 

A failure to reasonably investigate and correct errors is a direct violation of the FCRA. 

Legal Precedents Supporting My Claim : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Reinforces the duty of credit reporting agencies to conduct reasonable investigations. 

Richardson v. Equifax Credit Info. Services, 2001 U.S. Dist. LEXIS 14507 ( E.D. La. 2001 ) Addresses the obligation to ensure data accuracy.

Demand for Resolution : I formally demand the following corrective actions within 10 days from the receipt of this notice : Immediate correction of all inaccuracies, ensuring consistency across all three credit bureaus.

Removal of all negative marks related to false collection/charge-off status. 

Written confirmation from XXXX XXXX, XXXX, Experian, and XXXX stating the corrections have been made. 

{$5000.00} in damages, as per FCRA statutory damages for willful non-compliance under 15 U.S.C. 1681n.

Failure to comply with this request will result in legal action in federal court, where I will seek monetary damages, punitive damages, and attorneys fees as permitted under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

This is your final opportunity to resolve this matter amicably before litigation. Please provide written confirmation of compliance within 10 days.

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