Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/XXXX Subject : Legal Demand for Immediate Removal of Inaccurate Reporting Due to Violations of FCRA, CFR, UCC, and LA FCRA Dear Experian, XXXX, XXXX This letter serves as formal notice of significant violations regarding the reporting of inaccurate and inconsistent information on my credit report. These violations breach federal and state laws, including the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), Uniform Commercial Code ( UCC ), and California Consumer Credit Reporting Agencies Act ( CA LA FCRA ). 

Inaccuracies Identified The following discrepancies on my credit report must be addressed immediately : XXXX XXXX XXXX XXXX ( XXXX  ) : Inaccurate Reporting : XXXX  has falsely reported that I missed payments, which is incorrect. Despite being aware of these errors, XXXX failed to correct them, leading to unjust negative impacts on my credit report XXXX XXXX XXXX : Reporting conflicting dates of last activity ( e.g., XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ). 
Incorrect status as " Collection/Charge-Off '', despite a Paid-in-Full Letter dated XX/XX/XXXX. 
Comments of " Settled - Less Than Full Balance '' and " Account Legally Paid in Full for Less Than Full Balance '' misrepresent the agreement. 
XXXX  XXXX : Reporting a balance of {$740.00} on a credit limit of {$300.00}, reflecting an over-utilization rate of 248 %. 
Status as " Late Over 120 Days '' with remarks indicating " Dispute Resolved Reported By Grantor. '' XXXX  : Inaccurately marked as " Charge-Off '' and " Collection '', despite the account being resolved. 
XXXX XXXX : Incorrectly listed as " Repossession/Foreclosure '' and " Paid Repossession, '' despite resolution. 
Hard Inquiries : Multiple unauthorized hard inquiries from entities such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Violations of Federal and State Laws Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

15 U.S.C. 1681i : Failure to conduct a proper reinvestigation after a dispute is submitted.

15 U.S.C. 1681s-2 ( b ) : Failure to correct and update inaccurate information after receiving notification.

15 U.S.C. 1681b : Reporting of unauthorized hard inquiries. 
Code of Federal Regulations ( CFR ) : 12 C.F.R. 1022.43 : Duty of furnishers to investigate and correct disputes under the FCRA.

Uniform Commercial Code ( UCC ) : UCC 1-308 : Reservation of rights, particularly regarding inaccurate or disputed transactions related to contracts or settlements.

UCC 9-609 : Improper repossession of property without following lawful procedures.

California Consumer Credit Reporting Agencies Act ( CA LA FCRA ) : CA Civil Code 1785.16 : Requires consumer reporting agencies to reinvestigate disputed information within 30 days.

CA Civil Code 1785.25 ( a ) : Prohibits furnishers from reporting inaccurate or incomplete information to consumer reporting agencies. 
Harm Caused As a result of these violations, I have suffered : Denial of credit opportunities. 
Significant damage to my credit score. 
Financial and emotional distress. 
Demand for Resolution To resolve this matter, I demand the following actions be completed by XX/XX/XXXX : Immediate removal of all late fees, delinquent statuses, and adverse remarks for the accounts listed above. 
Complete removal of the XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX accounts from my credit file due to ongoing inaccuracies. 
Correction or removal of unauthorized hard inquiries from my credit file. 
Written confirmation of these corrections provided to me upon resolution. 
Notice of Intent Failure to address these inaccuracies promptly will leave me no choice but to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), California Attorney Generals Office, and Federal Trade Commission ( FTC ). 
Pursue legal action under 15 U.S.C. 1681n, 1681o, and applicable provisions of the UCC and California Civil Code. 
Seek compensatory and punitive damages for the financial and emotional harm caused by your actions. 
Supporting Documentation Enclosed are the following documents for reference : Cease-and-Desist Letter ( s ). 
Paid-in-Full Letter ( s ). 
Copies of my credit report highlighting inaccuracies. 
I trust you will take this matter seriously and resolve it promptly. Please provide written confirmation of the corrections by XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX : Relevant Correspondence ( Cease-and-Desist, Paid-in-Full, etc. ). 
Credit Report Excerpts Highlighting Inaccuracies.

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