Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally dispute inaccurate information present in my credit report, as furnished by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request an immediate investigation into the following discrepancies and the removal of any unverifiable or incorrect data. This communication also serves as a pre-arbitration notice in the event that this matter is not resolved in accordance with applicable laws and consumer protections. 
Disputed Information : Creditor : XXXX XXXX XXXX Account Numbers : XXXX and XXXX Discrepancies Identified : Multiple Entries : The same debt appears multiple times with slight variations in account numbers and details, which is misleading and potentially damaging. Status Inconsistencies : One entry lists the account as " Open, '' while another indicates it is " Closed, '' creating confusion about the actual status. Activity Dates : There are conflicting last activity dates between the entries, raising questions about the accuracy of the reported information. Lack of Payment History : The absence of payment history on these accounts does not provide a complete picture and may misrepresent my creditworthiness. Inconsistent Comments : Some entries lack detailed comments, while others include remarks such as " Account Seriously Past Due Date, '' leading to potential misinterpretation. Legal Basis for Dispute : Under the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports. Specifically : Section 611 ( a ) ( 1 ) ( A ) : Mandates that credit reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the accuracy of information. Section 611 ( a ) ( 5 ) ( A ) : Requires the deletion or modification of information found to be inaccurate, incomplete, or unverifiable after reinvestigation. Additionally, case law such as Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ), underscores the importance of reasonable reinvestigation by credit reporting agencies. Failure to comply with these standards may constitute a violation of the FCRA and open the agency to liability. Supporting Documentation : I have enclosed copies of my credit report highlighting the disputed entries, along with any relevant correspondence and documentation that support my claim. Please review these documents as part of your investigation. 

Pre-Arbitration and Litigation Notice : Should this dispute remain unresolved, I reserve the right to pursue remedies under arbitration or litigation. If an arbitration provision is applicable under any agreement between us, I will initiate arbitration proceedings. Be advised that arbitration may incur the following costs, which could become your responsibility in the event of an adverse decision against your agency : Filing Fees : Up to {$200.00}, per the rules of most arbitration forums, unless waived for financial hardship. Administrative Fees : Between {$750.00} and {$1500.00}, depending on the arbitration provider. Arbitrator Fees : Ranging from {$1500.00} to {$3500.00} or more for multi-session arbitrations. If no arbitration provision applies, I will pursue this matter through litigation, seeking all remedies provided under the FCRA, including but not limited to statutory damages, actual damages, punitive damages, and the reimbursement of attorneys fees and legal costs. 

Requested Action : I urge you to : Conduct a thorough investigation into the disputed entries. Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable. Provide me with a written statement detailing the outcome of your investigation. Furnish me with an updated copy of my credit report reflecting any changes made. 

Conclusion : Inaccurate information on my credit report can have serious implications for my financial well-being. I trust that you will address this matter with the urgency and diligence it requires, ensuring compliance with the FCRA and safeguarding my rights as a consumer. Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as stipulated by the FCRA. Sincerely, [ XXXX ] All Rights Reserved Without Prejudice Enclosures : Copy of credit report with disputed entries highlighted Supporting documents and correspondence Note : Please consider this letter as a formal pre-arbitration notice.

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