Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
To Whom It May Concern : This letter serves as both a formal dispute and notice of intent to initiate legal action against Equifax Information Services LLC and Experian, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), for willfully and negligently reporting and maintaining false information related to an account allegedly furnished by XXXX XXXX XXXX XXXX XXXX. 

I. FACTUAL BASIS The subject account is not mine, and I disputed its accuracy on multiple occasions. Despite this, it was repeatedly verified and re-reported on my credit file without any meaningful investigation.

The tradeline was previously removed, then reinserted without the statutorily required written notice within five ( 5 ) business days, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). This occurred at least six ( 6 ) times.

Your companies continued to report the account as Open, even after the charge-off date of XX/XX/XXXX. This is categorically false. According to Metro 2 guidelines, charge-off accounts must be marked as closed, and no derogatory remarks may be added beyond the charge-off date. 

Despite the account being closed, monthly derogatory reporting has continued from XX/XX/XXXX through the present, constituting eight ( 8 ) separate FCRA violations under 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). 

In response to my XXXX  complaint, XXXX XXXX XXXX confirmed in writing that it requested the deletion of this account from Equifax, Experian, and XXXX. Your failure to promptly and permanently delete the account following this confirmation is a further breach of your obligations under FCRA 1681i.

II. LEGAL VIOLATIONS Your companies are liable under the following statutes : 15 U.S.C. 1681e ( b ) : Reporting information that is inaccurate, incomplete, or misleading 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or inaccurate information 15 U.S.C. 611 ( a ) ( 5 ) ( B ) : Reinsertion of deleted tradelines without notice 15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with FCRA Metro 2 Compliance Guidelines : Reporting a charged-off account as open ; furnishing derogatory data post-charge-off III. DAMAGES You are now responsible for at least 14 separate FCRA violations : 6 unauthorized reinsertions 8 months of post-charge-off derogatory reporting Statutory damages of {$1000.00} per violation = {$14000.00} Plus actual, emotional, and punitive damages Plus attorneys fees and court costs under 1681n ( c ) IV. SETTLEMENT DEMAND To resolve this matter without the need for litigation, I am willing to accept a settlement in the amount of {$5000.00}, made payable to me. This amount reflects a good-faith effort to resolve your violations amicably.

This offer is contingent on : Permanent deletion of the XXXX XXXX / XXXX tradeline Written confirmation of deletion from both Equifax and Experian Issuance of a certified check for {$5000.00} as full and final settlement Assurance that no future reinsertion of this tradeline will occur V. DEADLINE TO RESPOND You have fifteen ( 15 ) calendar days from receipt of this letter to respond. If you fail to comply, I will immediately proceed to file : A lawsuit in XXXX XXXX  Court Regulatory complaints with the CFPB, FTC, and Georgia Attorney General Public records documenting your noncompliance This letter will serve as evidence of your opportunity to resolve this matter before litigation.

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