Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, TILA, and PAANL Dear Sir/Madam, This letter serves as a final attempt to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file. Despite my previous correspondence dated [ XX/XX/XXXX and XX/XX/XXXX ], in which I formally disputed the incorrect reporting of late payments on my credit report related to my [ Credit Card, ] account [ XXXX XXXX XXXXXXXX XXXX ], this issue remains unresolved. 
This ongoing inaccuracy has caused significant damage to my credit score and reputation. Despite providing clear documentation and requesting corrections, the errors have not been rectified. This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly. Additionally, the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ) emphasize the need for accurate reporting and require creditors to provide timely and accurate billing statements, which has not occurred in my case.

Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. I am fully prepared to pursue legal action to seek damages, including legal costs, should this matter not be resolved immediately. 
Furthermore, I cite the following legal precedents as applicable to this matter : Key Case : Cushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit reporting agencies have an obligation to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Failure to do so may result in liability for damages under the FCRA.

Key Case : Barash v. Ford Motor Credit Corp., XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : This case involved a violation of TILA, specifically regarding the failure to provide adequate notification of payments. This creditor 's failure underscores the importance of consumer protections under TILA, which applies directly to my situation.

Final Request for Resolution I am giving you one final opportunity to correct the inaccurate late payment entries on my credit report : Date of Late Payment Report : [ XXXX ] [ XXXX ] Failure to correct this information within 10 days of receipt of this letter will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney General 's Office. Additionally, I will proceed with legal action to recover any damages resulting from this prolonged inaccuracy in my credit report. 
Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to your prompt attention to this matter.

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