Consumer complaint received 2025-10-29 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: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint and Request for Investigation Violations of FCRA, FDCPA, and 15 U.S.C. Codes To Whom It May Concern, I am submitting this formal complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer laws. My credit report dated XX/XX/XXXX, contains several accounts that have been reported inaccurately and inconsistently across TransUnion, Experian, and Equifax. 
These inaccuracies have caused harm to my credit standing and emotional distress. 

Accounts in Violation XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting a charge-off with {$0.00} balance and 'Paid ' status across bureaus contradictory and misleading. 
XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Different bureaus display conflicting charge-off remarks ( profit/loss write-off, unpaid loss, charged off ). 
XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as 'Closed Current ' but reflects XXXX lates ; a paid/closed account can not also be delinquent. 
XXXX  XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Shows delinquencies after the account was paid and closed, violating FCRA accuracy obligations. 
XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX  Only Equifax reports XXXX lates while others report none ; creates inconsistent data mix. 
XXXX XXXX XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account closed and paid, yet continues to show XXXX lates post-closure. 
XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as 'Paid ' yet still lists late payments ; inconsistent remarks across bureaus. 
Applicable Consumer and Case Law The following laws and precedents support my right to accurate reporting and timely reinvestigation of disputes : FCRA 1681e ( b ) Duty to assure maximum possible accuracy. FCRA 1681i ( a ) ( 1 ) Reinvestigation o
f disputed information.

FCRA 1681s-2 ( b ) Furnishers duty to correct and update inaccurate or incomplete information.

FDCPA 807 ( 8 ) ( 15 USC 1692e ( 8 ) ) Prohibits furnishing false credit information or failing to mark it as disputed.

15 USC 1666a Requires correction or explanation of billing inaccuracies within XXXX billing cycles. 


Relevant case law establishing liability : XXXX v. TransUnion, 115 F.3d 220 ( 3d Cir. XXXX ) XXXX XXXX XXXX XXXX XXXX, 526 F.3d 142 ( 4th Cir. XXXX ) XXXX XXXX XXXX XXXX XXXX, 257 F.3d 409 ( 4th Cir. XXXX ) XXXX  v. XXXX XXXX XXXX, 158 F.3d 890 ( 5th Cir. XXXX ) XXXX v. Equifax, 629 F.3d 876 ( 9th Cir. XXXX ) Damages and Relief Requested Pursuant to 15 U.S.C. 1681n and 1681o, I am seeking statutory damages of up to {$1000.00} per violation, plus actual and punitive damages for emotional distress, credit denials, and reputational harm. There are at least XXXX ( XXXX ) separate FCRA/FDCPA violations identified herein, totaling a minimum of {$7000.00} in statutory damages alone. 

Requested Actions I request that the Consumer Financial Protection Bureau : XXXX. Conduct a full investigation into each creditors reporting practices listed above. 
XXXX. Compel TransUnion, Experian, and Equifax to delete the inaccurate data immediately. 
XXXX. Enforce statutory damages against furnishers and credit bureaus for willful or negligent violations. 
XXXX. Require all parties to provide a written resolution and verification of deletions or corrections. 


Enclosed are copies of my full credit report and supporting documentation. I expect a written response and resolution within the statutory XXXX period per 15 U.S.C. 1681i ( a ) ( 1 ). Thank you for your prompt attention. 


Sincerely,

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