Consumer complaint received 2025-03-13 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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Civil Liability for Negligent Non-Compliance Under 15 U.S. Code 1681o Dear Experian, Equifax, TransUnion, I am writing to dispute certain inaccuracies on my credit report and to bring to your attention the civil liability provisions under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ) for negligent non-compliance. I believe that the information reported about me is inaccurate, and I am requesting that this matter be thoroughly investigated and rectified in accordance with the requirements of the FCRA. 

XXXX. Dispute of Liability and Inaccuracy : The inaccurate information in question pertains to the following [ insert details of the disputed item, such as account numbers, creditor names, and the nature of the dispute ] : Account Name/Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Date of Discrepancy/Reporting : XX/XX/XXXX Description of the Issue : ACCOUNT STATUS AND LOAN AMOUNT I believe this information has been reported inaccurately or negligently, as it does not accurately reflect my financial history or behavior. I have taken steps to ensure that all my obligations are met in a timely and responsible manner, and any inaccuracies in this report are the result of a failure to comply with the necessary standards of the FCRA. 

2. Legal Reference 15 U.S. Code 1681o : Under 15 U.S. Code 1681o, any failure to comply with the requirements set forth in the Fair Credit Reporting Actwhich includes the accuracy and completeness of information reportedcan result in civil liability for negligent non-compliance. Specifically, this provision holds parties like Experian liable for the failure to : Report accurate and complete information. 
Conduct timely and reasonable investigations of disputes. 
Correct inaccuracies when notified. 
I believe that Experian has failed to fulfill these requirements, resulting in inaccurate reporting of my credit information. As such, I am requesting that the disputed items be investigated, corrected, or removed as necessary. 

3. Request for Investigation and Correction : In accordance with the FCRA, I request that you immediately investigate this matter and ensure that my credit report is corrected. Should the disputed information be found to be inaccurate or unverifiable, I expect it to be promptly removed or amended to reflect accurate and truthful details.

If you need any additional documentation or clarification, please let me know, and I will provide the necessary supporting evidence to resolve this dispute.

4. Legal Consequences : Should this issue not be addressed promptly and accurately, I reserve the right to pursue legal action for negligent non-compliance as provided under 15 U.S. Code 1681o, including seeking damages for any harm caused by the inaccurate reporting of my credit information. 

Please confirm receipt of this dispute, and I look forward to your prompt response. 

Sincerely, XXXX 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