Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Addresses of Each Bureau Subject : Notice of Intent to Sue for Removal of Inaccurate XXXX XXXX Account and {$1000.00} per Violation Due to FCRA, CFPB, U.S. Bankruptcy Code, XXXX, and XXXX XXXX Compliance Violations with Supporting Case Law To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against XXXX, Experian, and XXXX for the continued inaccurate reporting of my XXXX XXXX account ( Account # : XXXX ) on my credit report. The ongoing inconsistencies violate the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, XXXX XXXX compliance standards, XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX ) standards, and the U.S. Bankruptcy Code. I am requesting the immediate removal of this account from my credit report and {$1000.00} per violation. 

Discrepancies in XXXX XXXX Account Reporting The following inaccuracies in my XXXX XXXX account data appear across XXXX, Experian, and XXXX, warranting immediate removal : Account Status : All bureaus show the account as Derogatory ; however, XXXX and Experian list it as Charged off, while XXXX inconsistently reflects OK ratings for multiple months, creating misleading information. 
Balance and High Credit : XXXX and Experian report a balance of {$15000.00}, while XXXX lists a high credit of {$15000.00} with a {$0.00} credit limit. 
Dates of Last Payment and Last Activity : XXXX lists the last activity as XX/XX/XXXX and last payment as XX/XX/XXXX ; however, Experian and XXXX show conflicting dates, raising concerns of unverified data. 
Derogatory Remarks : XXXX and Experian report Charged off as bad debt and Unpaid balance reported as a loss by the credit grantor, while XXXX adds Consumer disputes, indicating inconsistency across bureaus. 
XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) The FCRA mandates that credit reporting agencies report accurate information and correct or delete any unverifiable or inaccurate information upon dispute. The continued inaccuracies on my XXXX XXXX account violate : 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy. The conflicting account status, balances, and derogatory remarks demonstrate a failure to comply with this standard. 
15 U.S.C. 1681i ( a ) Mandates prompt investigation and removal of disputed, unverifiable information. XXXX, Experian, and XXXX have failed to correct these inconsistencies, justifying immediate removal of this account entry. 
The XXXX XXXX decision in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) underscores that credit reporting agencies are liable for inaccuracies that harm consumers. This case reinforces the obligation to report verified data, underscoring the need for immediate removal of this unverifiable account. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) established that a failure to conduct a reasonable investigation into disputed information can lead to liability under the FCRA. The inconsistencies on my XXXX XXXX account indicate that XXXX, Experian, and XXXX have not adequately investigated my dispute. 

XXXX. Violations of Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB regulations require credit reporting agencies to avoid deceptive or abusive practices that harm consumers. The inaccurate, conflicting data on my XXXX XXXX  account misleads creditors and damages my financial reputation, constituting a violation of CFPB standards. 

XXXX. Violations of the U.S. Bankruptcy Code Under the U.S. Bankruptcy Code ( Title 11 of the United States Code ), discharged debts are intended to give the debtor a fresh start, free from undue harm or misleading reporting on accounts associated with the bankruptcy. The inaccurate reporting of the XXXX XXXX account conflicts with these protections : 11 U.S.C. 524 ( a ) States that a discharge operates as an injunction against any attempt to collect a discharged debt. Any continuing derogatory or misleading information on a debt tied to a discharge contravenes this provision by effectively punishing the consumer despite the discharge. 
XXXX XXXX. XXXX A XXXX XXXX bankruptcy discharge releases the debtor from personal liability for most debts, a status that should be accurately reflected across all credit reporting to uphold the legal intent of a fresh start. 
The inaccurate status, balance inconsistencies, and remarks on my XXXX XXXX account undermine the protections offered by the XXXX Bankruptcy XXXX and create additional financial harm by misleading creditors and potential lenders. 

XXXX. Violations of XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX ) Standards The XXXX guidelines emphasize accurate and transparent reporting, particularly when handling sensitive information related to discharged debts or accounts affected by bankruptcy. XXXX standards call for accuracy and verifiability in consumer reporting, which is not met in the current reporting of my XXXX XXXX account. 

XXXX. Violations of XXXX XXXX Compliance Standards The XXXX XXXX standards, established by the XXXX XXXX XXXX XXXX ( XXXX ), mandate that credit reporting agencies maintain consistency and accuracy in consumer reporting. Specific violations in the XXXX XXXX account reporting include : Account Status Code ( XXXX XXXXXXXX ) : For charged-off accounts, the status should be consistently coded as XXXX ( Charge-off ) across all bureaus. Inconsistent reporting between derogatory and OK statuses reflects a failure to comply with XXXX XXXX standards. 
Compliance Condition Code ( Field XXXX ) : Given my dispute, the XB ( Account information disputed by consumer ) code should be applied consistently across all bureaus to accurately reflect the dispute status. 
High Credit and Credit Limit ( XXXX XXXX and XXXX ) : High credit and credit limit values should be consistent across bureaus. XXXX, Experian, and Equifaxs conflicting values violate XXXX XXXX standards for data integrity. 
Date of Last Payment and Last Active ( Fields XXXX and XXXX ) : These fields should accurately reflect the dates of activity. Conflicting dates across bureaus fail to meet the standards, undermining the reliability of reported data. 
Remedy Sought To resolve these violations without litigation, I request that XXXX, Experian, and XXXX : Immediately remove the inaccurate and unverifiable XXXX XXXX account from my credit report across all three bureaus. 
Provide written confirmation of the removal to ensure that this entry has been deleted from my credit profile. 
Compensate me {$1000.00} per violation for each instance of non-compliance, as permitted under FCRA, CFPB regulations, XXXX standards, XXXX XXXX standards, and the U.S. Bankruptcy Code. 
Should these actions not be completed within 30 days of receiving this letter, I am prepared to file a lawsuit seeking statutory, actual, and punitive damages as permitted by FCRA, CFPB regulations, XXXX standards, XXXX XXXX compliance, U.S. Bankruptcy Code, and relevant case law. 

Conclusion This letter serves as the final opportunity for XXXX, Experian, and XXXX to correct these reporting violations. Failure to act within the specified timeframe will result in legal action seeking full damages and corrective measures. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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