Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance Under the Fair Credit Reporting Act ( FCRA ) Dear Experian Dispute Department, I am writing to dispute inaccurate and misleading information on my credit report that remains uncorrected despite my previous attempts to resolve the matter. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Experian is legally required to maintain accurate credit information, conduct timely investigations, and correct errors. Your failure to comply with these obligations has caused harm to my credit standing and financial well-being. 

Disputed Item ( s ) : XXXX XXXX XXXX/ XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Violations of the FCRA 1. Negligence and Failure to Maintain Accuracy ( 1681e ( b ) ) Experian has an obligation to ensure the accuracy of the information it reports. Your failure to correct this inaccurate information demonstrates a lack of reasonable procedures to assure maximum possible accuracy.

2. Failure to Investigate Disputed Information ( 1681i ( a ) ) The FCRA mandates that Experian conduct a reasonable reinvestigation of disputed information within 30 days. If Experian has failed to verify the accuracy of the disputed items within the required timeframe, it has violated federal law.

3. Civil Liability for Willful Non-Compliance ( 1681n ) If Experian knowingly and willfully failed to correct or remove inaccurate, misleading, or unverifiable information, you are liable for damages, including actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees.

4. Civil Liability for Negligence ( 1681o ) If Experians failure to comply with the FCRA was due to negligence, you may still be held liable for actual damages and legal fees.

Demand for Immediate Action I demand the following actions be taken immediately : A thorough reinvestigation into the disputed item ( s ).

Removal or correction of any unverifiable, outdated, or inaccurate information.

A written statement confirming the results of your investigation and an updated copy of my credit report.

Failure to comply with these legal requirements may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages caused by your negligence and non-compliance.

I expect a response within 30 days from the date of this letter, as required by the FCRA. Thank you for your prompt attention to this serious matter. 


Sincerely, XXXX 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