Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX * * VIA CERTIFIED MAIL, EMAIL & FAX TRANSMISSION * * * * XXXXXXXX XXXX Credit Bureau Relations ( CBR ) * * ATTN : Dispute Resolution ManageXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX * * Re : URGENT FINAL NOTICE DEMAND FOR GOODWILL CORRECTION & FCRA COMPLIANCE ( Third Notice ) * * * * Account # XXXX | SSN Ending : XXXXXXXX XXXX XXXX  Dear CBR Manager , I am writing to formally notify you that XXXX XXXX has failed to respond to my previous communications dated XX/XX/XXXX, and XX/XX/XXXX, regarding the erroneous reporting of late payments on my account. This matter has now reached a critical stage, and I am prepared to pursue all available legal remedies unless immediate corrective action is taken. 

* * 1. Undisputed Evidence of XXXX 's Error * * The late payments reported for XXXX and XX/XX/XXXX were the direct result of a system failure on XXXX 's part. Payments were properly scheduled through your official mobile application, with sufficient funds available in my account at all times. This is supported by bank records which I have previously offered to provide. 

* * 2. Documented Damages * * As a direct result of these inaccuracies : - My FICO XXXX credit score has dropped from XXXX to XXXX - I am now facing interest rates of 30 % APR or higher on new credit applications- My previously impeccable 10+ year payment history has been tarnished * * 3. Clear Regulatory Violations * * XXXX 's actions violate : - FCRA Section 623 ( a ) ( 1 ) ( A ) regarding reasonable accuracy procedures- Texas Finance Code Section 392 regarding credit defamation - FCRA Section 616 regarding liability for willful noncompliance * * 4. Final Demand for Resolution * * I demand that XXXX XXXX, within XXXXive business days ( by XX/XX/XXXX ) : 1. Immediately remove all inaccurate late payment reports from all credit bureau filings 2. Provide written confirmation of this correction to both myself and the major credit bureaus 3. Disclose the specific technical failure that caused this reporting error * * 5. Consequences of Non-Compliance * * Should XXXX fail to meet this demand, I will have no choice but to : - File a formal complaint with the CFPB - Initiate legal action seeking statutory damages under FCRA Section 616- Pursue additional damages under Texas consumer protection laws- Request investigation by the Texas Attorney General 's office The cost to XXXX for continuing to ignore this matter will far exceed the simple administrative action required to correct it now. This is your final opportunity to resolve this matter before I proceed with formal legal action. 

Sincerely, * * XXXX XXXX * * Phone : XXXX Email : XXXX * * CC : * * Consumer Financial Protection Bureau Texas Attorney General 's Office Federal Trade Commission

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