Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
CFPB Complaint Intent to Sue for Ongoing FCRA Violations ( XXXX XXXX Experian, TransUnion, XXXX XXXX XXXX XXXX ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Notice of Intent to Sue Violations of 15 U.S. Code 1681s-2 and 1681e ( b ) by XXXXXXXX XXXX , Experian, TransUnion, and XXXX XXXX XXXX XXXX  To Whom It May Concern : This complaint serves as formal notice of my intent to file a civil lawsuit against the following entities for repeated, willful, and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Information Solutions , Inc.

TransUnion LLC Violations Alleged : 1. Failure to Provide Notice of Negative Reporting 15 U.S. Code 1681s2 ( a ) ( 7 ) : XXXX XXXX failed to provide me written notice within 30 days of furnishing adverse information to any credit bureau, in violation of the statute. 
I never received notification from XXXX informing me that negative data had been reported. 
This omission is a direct violation of 1681s2 ( a ) ( 7 ) and renders the tradeline unlawful. 
2. Inaccurate Reporting Misclassification of Retail Installment Contract ( FCRA 1681e ( b ) ) : XXXX XXXX XXXX XXXX is being reported as a standard auto loan by Experian and TransUnion.

In reality, this account is a retail installment contract, which has different legal characteristics and risk implications. 
This misclassification is materially misleading and violates FCRA 1681e ( b ), which requires CRAs to maintain maximum possible accuracy in all reporting. 
3. Failure to Correct Across All Bureaus FCRA 1681s-2 ( a ) ( 3 ) : Equifax has already removed the XXXX XXXX  XXXX XXXX account XXXX suggesting it found the account inaccurate or unverifiable. 
Experian and TransUnion continue to report it, in direct violation of their obligation to update all files following notice from a furnisher. 
XXXX XXXX XXXX XXXX XXXX have failed to notify all CRAs of any investigation results or updates as required by law. 

Relief Requested : Immediate deletion of the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts from Experian and TransUnion. 
Written explanation of the date negative information was first reported and proof of any legally required notices. 
Correction of account classification for XXXX XXXX XXXX XXXX to accurately reflect that it is a retail installment contract. 

Attached Documentation : Formal legal complaint prepared for filing in XXXX XXXX XXXX XXXX, XXXX XXXX, FL If this matter is not resolved within ten ( 10 ) business days, I will proceed with a formal lawsuit seeking : Statutory damages under FCRA 1681n Actual and punitive damages Permanent injunctions against continued reporting Full reimbursement of legal fees Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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