Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
This letter serves as a formal Notice of Dispute, Cease and Desist, and Demand for Remedies directed at XXXX, Experian, and XXXX, pursuant to violations of federal law. As outlined below, your actions have infringed upon my rights under the Fair Credit Reporting Act ( FCRA ) and related statutes, necessitating immediate rectification. 

XXXX. Violations of FCRA ( 15 USC 1681i ) Under 15 USC 1681i, you are obligated to conduct a reasonable investigation of disputed information and ensure the accuracy of all reported data. The following discrepancies across your reports highlight a clear failure to meet this obligation : XXXX XXXX : Discrepancies include differing dates for the first delinquency ( XX/XX/XXXX on Experian vs. XX/XX/XXXX on XXXX ) and the start of charge-off status ( XX/XX/XXXX on Experian vs. XX/XX/XXXX on XXXX ) XXXX These inaccuracies undermine the reliability of your reporting and violate FCRA standards for accuracy. 

XXXX XXXX XXXX  : This account is listed on XXXX but entirely absent from Experian, creating a glaring inconsistency. The amounts past due and payment history timelines are also misrepresented on XXXX. 

XXXX XXXX XXXX ( Closed ) : While marked as a paid charge-off, discrepancies in reporting the date of first delinquency and charge-off periods between the reports require rectification. 

Your failure to ensure accurate and consistent reporting among credit bureaus is a direct violation of your duties under FCRA. 

Case Precedent : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established the requirement for credit reporting agencies to perform reasonable investigations of disputed data under FCRA. 

XXXX. Failure to Uphold Fair and Accurate Reporting Practices The banking system relies on fair and accurate credit reporting to function effectively. Your inaccuracies and failure to meet statutory obligations undermine this trust and directly harm consumers like myself. These violations include : Failure to investigate disputes thoroughly as required by FCRA. 

Continued reporting of adverse information despite clear evidence of inaccuracies. 

XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Highlighted the importance of accurate credit reporting and the liability for failure to correct errors. 

XXXX. Violations Pertaining to Adverse Information and XXXX  Victims ( 15 USC 1681c-3 ( b ) ) As a victim of severe trafficking, I demand the immediate removal of all adverse information from my consumer report pursuant to 15 USC 1681c-3 ( b ). The adverse information does not pertain to me as a natural person but is the result of crimes inflicted upon me. Documentation supporting my status as a trafficking victim will be provided upon request. 

Case Precedent : Doe XXXX XXXX XXXX XXXX Government XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established the importance of protecting victims of XXXX  under federal laws. 

XXXX. Civil Liability Under FCRA ( 15 USC 1681n ) Each violation of the FCRA subjects your organization to civil liability of {$1000.00} per violation. These include : Failure to investigate disputed items properly. 

Reporting adverse information resulting from XXXX. 

Inaccuracies and inconsistencies in consumer reporting. 

Your institutions failure to provide fair and accurate reporting undermines the fundamental integrity of the credit system. 

Case Precedents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Reinforced the liability standards under FCRA. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Confirmed FCRA protections and penalties for violations. 

Demands : Immediate deletion of all adverse information from my consumer report. 

Written confirmation that all discrepancies and inaccuracies have been corrected. 

Compensation for statutory damages of {$1000.00} per violation, as outlined above. 

Assurance that your investigations and reporting practices comply fully with FCRA requirements moving forward.

Failure to comply with these demands within XXXX  days will result in legal action under FCRA and other applicable laws. I reserve the right to pursue all remedies available to me under federal and state law.

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